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San Marcos Reverse Mortgages

Shopping for the best reverse mortgage deal in San Marcos, California? Look no further.

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



San Marcos Reverse Mortgage Lenders

Aerial view of San Marcos CA
Aerial view of San Marcos CA

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 San Marcos, Santee, Ocean Hills, and Fallbrook.

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 San Marcos area.

2,263 people in or within 10 miles of San Marcos already have a reverse mortgage and are familiar with the benefits of the loan. In just the last 12 months 347 more homeowners took out a federally-insured reverse mortgage. 

In 2021, the typical home in San Marcos costs approximately $818,182. 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 greater San Marcos (and across the nation) the first $1,149,825 of their home value is considered in the calculation of the potential maximum reverse mortgage loan benefit. 

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.

Official Seal of the City of San Marcos
Official Seal of the City of San Marcos

San Marcos History

Dutch and German immigrants moved into the area in the early 1880s, shortly after Major Merriam established a settlement. In 1883, John H. Barham founded a town center in what is present day San Marcos. The first town in the area was named Barham and by 1884, it had its own post office, blacksmith, and other mercantile stores. The San Marcos Land Company purchased most of the surrounding land once owned by the Couts family, later establishing San Marcos 1 mile north of Barham. By 1896, San Marcos was a full-fledged town. Barham’s population and growth began to fade due to the Sante Fe Railroad line being built 1-mile away. In 1903, San Marcos residents moved their homes near the rail line to avoid a fate similar to Barham. 

In 2020 the estimated population of San Marcos was 97,032.

Local attractions and activities include Double Peak Park, Discovery Lake, Jack's Pond Park & Nature Center, The Antique Village, and St. Mark Golf Club. 

Contact your San Marcos, California and greater San Diego 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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