Reverse Mortgage

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.

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

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

• Reverse mortgage lending
• Home equity loans
• Senior mortgage services
• HECM programs
• Retirement financing

Headquarters

HQ city

Rancho Cucamonga

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct 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

• Xx.com/reversemortcali
• YouTubeyoutube.com/channel/UCYjBKKfbx-v2HF5Nz2klIsA
• Facebookfacebook.com/reversemortgagecali
• LinkedInreversemortgagecali.com/how-it-works/#

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Reverse Mortgage