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Rancho Bernardo Reverse Mortgages

Get a competitive offer on a reverse mortgage loan in Rancho Bernardo, 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



Rancho Bernardo Country Club
Rancho Bernardo Country Club. Photo: Facebook

Rancho Bernardo 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 community of Rancho Bernardo and northern San Diego County. 

How many of your neighbors have done a reverse mortgage? Here are some interesting facts about reverse mortgages and the housing market in or near Rancho Bernardo.


2,386 people in or within 10 miles of Rancho Bernardo already have a reverse mortgage and are familiar with the benefits of the loan. In just the last 12 months 413 more homeowners took out a federally-insured reverse mortgage.

In 2021, the median home value in Rancho Bernardo is approximately $877,675. The current maximum lending limit for FHA-insured reverse mortgages in 2022 is $1,149,825 which means nearly all homes in the greater Rancho Bernardo* area would see most, if not all of their full home value considered in the calculation of the potential maximum reverse mortgage loan benefit. Homes above $1,149,825 may choose to apply for a private jumbo reverse mortgage for higher-valued properties.

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.

About Rancho Bernardo, California

Rancho Bernardo and Surrounding Hills
Rancho Bernardo and Surrounding Hills

Rancho Bernardo is a master-planned community in the northern hills of San Diego situated between the cities of Escondido and Poway. It’s name is derived from the Mexican government’s Rancho Bernardo land grant enacted between 1842-1845. Geologic features such as canyons, hills, and rock outcroppings define the community’s rural and rugged topography. Local amenities include several shopping centers, professional business parks, and golf courses. 

The community of Rancho Bernardo was developed  by AVCO Community Developers in the 1960s during which time it was annexed by the city of San Diego. Each summer tourists and local residents enjoy the annual summer street fair RB Alive! (Rancho Bernardo Alive). Unfortunately, in October 2007 tragedy struck the community.  The Witch Creek Fire destroyed hundreds of homes in Poway and Rancho Bernardo and completely burned some smaller neighborhoods in the community. 

Nearby attractions include the Bernardo Winery, Mount Woodson Trail, the San Diego Zoo, Lake Hodges, and Black Mountain Open Space Park.

Contact your Rancho Bernardo, California 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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