Reverse Mortgage
Reverse Mortgage California is a privately held, California-only mortgage broker (DBA of O1ne Mortgage Inc., founded 2003) that originates FHA HECM and proprietary reverse mortgages for senior homeowners aged 55+, operating from seven offices under licensed specialists led by George Kfoury.
- Company typePrivate
- Founded2003
- HeadquartersRancho Cucamonga, United States
- Headcount—
- GTM typeB2C
- OfferingServices
What Reverse Mortgage does
Reverse Mortgage California, operating as a DBA of O1ne Mortgage Inc., is a privately held, California-licensed mortgage company founded in 2003 that originates reverse mortgages exclusively for senior homeowners in California. The company offers a diversified product portfolio including the FHA-insured HECM program (regulated by HUD with a 2025 lending limit of $1,209,750) and proprietary products such as HomeSafe variants (Intro, Second, Select, Select Intro) and Choice Fixed Max, serving homeowners aged 55 and older who want to convert home equity into cash, a line of credit, or monthly income without making monthly mortgage payments. The business is built around licensed NMLS loan specialists—most prominently George Kfoury (NMLS# 365129), who has been serving California seniors since 2003—and operates from seven physical office locations across California (West Covina HQ, Fontana, Long Beach, San Francisco, Los Angeles, Oakland, San Diego).
The revenue model combines loan origination fees (often financed into the loan) with interest income earned on outstanding reverse mortgage loan balances over the life of each loan, making this a hybrid origination-plus-servicing financial services business. Go-to-market is consultative sales-led: free online estimates, an online comparison calculator across three programs, HUD-approved counseling referrals, free educational e-books, Google AdWords remarketing, and direct phone outreach by licensed specialists. The firm is fully regulated across NMLS (#2530594), California Bureau of Real Estate (#01937855), and the California DFPI.
The company operates with no proprietary technology platform, no mobile app, no disclosed AI capabilities, no API surface, and no disclosed headcount or revenue figures. No venture capital, private equity, or institutional ownership signals are present, and there are no acquisitions, funding rounds, or expansion beyond California. The business appears to be a mature, founder-owned, single-state independent mortgage broker with a stable but narrow geographic footprint and a product mix anchored by government-insured and proprietary reverse mortgage programs.
Reverse Mortgage firmographics
Firmographics- Name
- Reverse Mortgage
- Legal name
- O1ne Mortgage Inc.
- Website
- https://reversemortgagecali.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Short description
- Reverse Mortgage California is a privately held, California-only mortgage broker (DBA of O1ne Mortgage Inc., founded 2003) that originates FHA HECM and proprietary reverse mortgages for senior homeowners aged 55+, operating from seven offices under licensed specialists led by George Kfoury.
- Ownership category
- akta.pro rank
Reverse Mortgage industry classification
Industry- Product category
- Reverse Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)
- akta.pro secondary industries
- Reverse Mortgage Brokers (FSALABAD), Reverse Mortgage Brokerage & Lead Generation (FSALAIAB), Reverse Mortgage Brokerage (FSAEAEAE)
Keywords
Where Reverse Mortgage is headquartered
LocationHeadquarters
- HQ city
- Rancho Cucamonga
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Reverse Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Loan Origination Fees: Reverse mortgage origination fees are charged to borrowers for processing and originating the loan. These fees can typically be financed into the loan rather than paid out of pocket.
- Interest Income on Loan Balances: As a lender and loan servicer, the company earns interest income on outstanding reverse mortgage loan balances over the life of the loan.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Estimate and Consultation |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Reverse Mortgage product offering
Product offeringCore offering
Reverse Mortgage California (a DBA of O1ne Mortgage Inc.) is a licensed mortgage lender that originates reverse mortgage loans for California homeowners aged 55 and older. It offers federally insured HECM programs plus proprietary products (HomeSafe family, Choice Fixed Max, Privately Insured Reverse Mortgage) that convert home equity into lump sums, lines of credit, or monthly income — with no required monthly mortgage payments, while retaining home ownership and preserving Social Security/Medicare benefits.
Product overview
Reverse Mortgage California offers a suite of reverse mortgage products for California seniors aged 55+. The core product lineup includes HECM (federally FHA-insured), HomeSafe proprietary products (including Intro, Second, and Select variants), and Choice Fixed Max. The company provides an online calculator tool for comparing three programs side-by-side and educational resources including HUD-approved counseling. Products range from fixed-rate full-draw loans to flexible line-of-credit options with growth features, targeting homeowners seeking to convert home equity into cash without monthly mortgage payments.
Differentiator
Problem solved
Functional benefit
Products and services
- HECM (Home Equity Conversion Mortgage) Federally insured reverse mortgage program regulated by HUD and insured by the FHA, available to borrowers aged 62 and older. Offers variable and fixed-rate options with a 2025 lending limit of $1,209,750. Requires mandatory HUD-approved third-party counseling before closing. Designed for senior homeowners who want to convert home equity into cash without monthly mortgage payments.
- HomeSafe Reverse Mortgage Family Proprietary (non-FHA) reverse mortgage product family available from age 55 with no FHA-imposed loan limit, designed for higher-value California homes and borrowers who do not qualify for HECM. The family includes HomeSafe Intro (full-draw fixed-rate loan with interest accruing on disbursed proceeds), HomeSafe Second (full-draw fixed-rate as a second lien), HomeSafe Select (line-of-credit option with 1.5% annual growth on unused funds for seven years and up to 75% principal limit utilization), and HomeSafe Select Intro (line-of-credit variant with 90% PLU cap and 1.5% line-of-credit growth).
- Choice Fixed Max Reverse Mortgage Proprietary fixed-rate reverse mortgage program designed to deliver the largest available funds when the borrower has an existing mortgage to retire. Targeted at California homeowners aged 55 and older with a current loan balance that the reverse mortgage proceeds will pay off, eliminating the monthly mortgage obligation.
- Proprietary Reverse Mortgage Privately insured reverse mortgage product for higher-value homes with loan caps up to $625,000, offered through Finance America Reverse Mortgage and American Advisers Group. Targets California homeowners 55+ whose property values exceed HECM lending limits but who want a reverse mortgage alternative to traditional HECM.
Quantifiable outcome
- Line of credit can increase in value over time when unused
- +2 more outcomes
Companies that use Reverse Mortgage
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles1 record
Reverse Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Reverse Mortgage partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights5 records
Reverse Mortgage competitors and assessment
Company assessmentDirect peers
- Longbridge Financial: Reverse mortgage lender offering HECM and proprietary Platinum products. Comparable focus on senior homeowners seeking to access home equity.
- Reverse Mortgage Funding (RMF): National reverse mortgage lender offering HECM and proprietary products including the RMF EquityAccess. Comparable product suite and target demographic to Reverse Mortgage California.
- Finance of America Reverse (FAR): Major reverse mortgage lender offering HECM, HomeSafe, and other proprietary products. Direct peer offering the same HomeSafe product line that Reverse Mortgage California distributes.
- One Reverse Mortgage (Rocket Mortgage): Owned by Rocket Companies, One Reverse Mortgage is a top-tier HECM originator with national reach and significant marketing budget. Directly comparable product offering and target market.
- Mutual of Omaha Reverse Mortgage: Established insurance company-backed reverse mortgage lender offering HECM products. Comparable target demographic and product offering.
- Open Mortgage: Multi-channel mortgage lender with a dedicated reverse mortgage division. Comparable product offering targeting senior homeowners.
- American Advisers Group (AAG): One of the largest reverse mortgage lenders in the U.S., offering HECM and proprietary reverse mortgage products nationally. Directly comparable to Reverse Mortgage California's product offering and target demographic (senior homeowners).
Broad incumbents
- Rocket Mortgage: Largest U.S. mortgage originator (parent of One Reverse Mortgage) with broad product portfolio including conventional, FHA, and reverse mortgages. Comparable industry segment though much broader product focus.
- HECM (HUD FHA Program): Federal program administered by HUD/FHA that insures HECM reverse mortgages. The structural backbone of all HECM originations in the U.S. and the regulator defining the core product Reverse Mortgage California offers.
Others
- Celink (subservicer): Reverse mortgage subservicer providing loan servicing infrastructure to many lenders. Relevant as a potential servicing partner or competitor in the operational backbone of the reverse mortgage industry.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Reverse Mortgage social profiles
Digital presenceReverse Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
Reverse Mortgage leadership team
Management profileNumber of profiles
Profiles1 record
Reverse Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Reverse Mortgage M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Reverse Mortgage
What does Reverse Mortgage do?
Reverse Mortgage California (a DBA of O1ne Mortgage Inc.) is a licensed mortgage lender that originates reverse mortgage loans for California homeowners aged 55 and older. It offers federally insured HECM programs plus proprietary products (HomeSafe family, Choice Fixed Max, Privately Insured Reverse Mortgage) that convert home equity into lump sums, lines of credit, or monthly income — with no required monthly mortgage payments, while retaining home ownership and preserving Social Security/Medicare benefits.
Is Reverse Mortgage a public or private company?
Reverse Mortgage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Reverse Mortgage founded?
Reverse Mortgage was founded in 2003.
Where is Reverse Mortgage based?
Reverse Mortgage is headquartered in Rancho Cucamonga, United States, in the North America region.
How does Reverse Mortgage make money?
Two revenue lines are on record. Loan Origination Fees are the primary driver. The others are interest Income on Loan Balances.
Who are Reverse Mortgage's main competitors?
Direct peers on record are Longbridge Financial, Reverse Mortgage Funding (RMF), Finance of America Reverse (FAR), One Reverse Mortgage (Rocket Mortgage), Mutual of Omaha Reverse Mortgage, Open Mortgage and American Advisers Group (AAG). Broad incumbents are Rocket Mortgage and HECM (HUD FHA Program). Celink (subservicer) is listed as an others.
Does Reverse Mortgage have an API?
No public API is recorded for Reverse Mortgage.
What industry is Reverse Mortgage in?
Reverse Mortgage's product category is Reverse Mortgage Lending. Its primary akta.pro industry code is FSALAIAA, Reverse Mortgage Origination (HECM & Proprietary), with a secondary code of FSALABAD, Reverse Mortgage Brokers. Its NAICS code is 522310 and its SIC code is 6162.