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Oceanside Reverse Mortgages

Searching for the best deal on a reverse mortgage in Oceanside, California

Meet Owen Coyle

I’m Owen Coyle, an 87 year young “Seasoned Citizen” living in Escondido California. As of April 1, 2023 I’ll be starting my 23rd year as a Reverse Mortgage Specialist. I have no desire to retire, so as long as my health remains good, I’m planning on helping senior homeowners obtain Reverse Mortgages at least until I’m 90, and hopefully a few years beyond. I absolutely have a passion for working with senior homeowners, improving their “Quality of Life” and giving them “Peace of Mind” by setting up Reverse Mortgages for them.

Owen Coyle Reverse Mortgages

Owen Coyle

Reverse Mortgage Specialist
NMLS #279015

 (760) 334-6155



Mission San Luis Rey de Francia, Oceanside California
Mission San Luis Rey de Francia, Oceanside California - Wikimedia Commons

Oceanside Reverse Mortgage Lenders

Reverse Mortgage West focuses on meeting the needs of homeowners’ retirement and lifestyle needs. One way we can help accomplish that mission is with a reverse mortgage.

Our streamlined operations and unparalleled staff support help make the process of getting your reverse mortgage a smooth transition. Our staff brings a combined 40 years of experience in reverse mortgage lending. We serve the communities of Oceanside, Ivey Ranch, and Rancho Del Oro. 

In 2021, the median home value in Oceanside is $756,208.  Many homeowners in the area may choose to apply for a private jumbo reverse mortgage for properties above $1,149,825. Private reverse mortgages provide significantly more proceeds for eligible homeowners with higher-valued properties. 

$1,149,825 is the current maximum lending limit for FHA-insured reverse mortgages in 2022. This means with a federally-insured reverse mortgage in Oceanside (and nationally) the first $1,149,825 of one’s home value is considered in the calculation of the potential maximum reverse mortgage loan benefit. 

How many of your neighbors have done a reverse mortgage? Here are some interesting facts about reverse mortgages and the housing market in the greater Oceanside area.

There are already 2,241 people in or within 10 miles of Oceanside who have a reverse mortgage today. In just the last 12 months 416 homeowners got a federally-insured reverse mortgage loan.

In general, reverse mortgages calculate the maximum available loan benefit (before fees, costs, and lien payoffs) for qualified borrowers based on the home’s appraised value, the age of the youngest borrower, or named non-borrowing spouse, and the current/starting effective interest rate.

Public beach access - Oceanside, California
Public beach access - Oceanside, California

About Oceanside, California

Oceanside is an appropriate name for a city located on the beaches of North County San Diego. The community is nestled between Carlsbad and Camp Pendleton South. In 2020, the population of Oceanside was 175,710 making it the 29th largest city in California. Oceanside along with Vista, and Carlsbad forms the tri-city area.

Present-day Oceanside was originally populated by the Payomkawichum people. In 1769, the first European explorers arrived, along with Spanish Missionaries working under Father

Junípero Serra who established Mission San Luis Rey de Francia.

Andrew Jackson Myers is one of the more notable early settlers, who in 1882, lived in San Luis Rey. In the early 20th century, Oceanside became a popular vacation destination for it’s 6-mile stretch of beaches. Today, thanks to the establishment of Camp Pendleton in 1842, many military personnel call Oceanside their home.

Local Oceanside attractions and activities include the Oceanside Pier, Mission San Luis Rey, Harbor Beach, the California Surf Museum, and the Beach House Winery.

Contact your Oceanside, California and North County reverse mortgage lender today.

Owen Coyle and his team at Reverse Mortgage West are ready to answer any questions or concerns you may have about a reverse mortgage. It's important to get the facts first, discuss your unique goals and needs, and see how much you may be able to qualify for with a reverse mortgage.


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