Golden Years Mortgage Solutions

What Golden Years Mortgage Solutions does

Golden Years Mortgage Solutions is a privately held, Torrance, California-based financial services firm that specializes in reverse mortgage refinancing for homeowners who already hold a reverse mortgage. Its core service is comparison-shopping across multiple lenders and presenting customers with four rate options, with the stated objectives of obtaining additional funds (via monthly income, lump-sum, or line-of-credit), lowering the interest rate on the existing loan, and protecting residual equity for heirs. The firm operates as a direct-to-consumer origination intermediary rather than as a lender, generating revenue through transaction fees tied to each completed refinancing.

The company runs a single-channel, sales-led go-to-market built around a toll-free phone number (800) 630-0650, with Spanish-language support on extension x109 and a website at redoyourreverse.com/gyms that serves as a quote-request and testimonial hub. There is no online application, no digital self-service portal, no API or software platform, and no disclosed technology stack beyond standard web infrastructure. Marketing leverages direct-response phone calls, customer testimonials documenting specific outcomes (e.g., $40,000 in additional cash and a 4-percentage-point rate reduction), and earned media placements on Fox News, ABC, NBC, and CBS.

The firm is small, with 1-10 employees, no disclosed funding, no parent company, and no institutional investors identified in the source data. Its reported operating geography is limited to California, USA. The business model is purely transactional and dependent on individual homeowner lead flow and conversion, with no recurring revenue component, no enterprise contracts, and no evidence of digital automation or AI tooling. As a result, scalability is constrained by manual sales capacity rather than by product or platform leverage.

Name

Golden Years Mortgage Solutions

Legal name

Golden Years Mortgage Solutions

Website

https://redoyourreverse.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Golden Years Mortgage Solutions is a Torrance, California-based brokerage that helps homeowners with existing reverse mortgages refinance to access additional funds, lower their interest rates, and protect equity for heirs through phone-based, multi-lender rate comparison.

Ownership category

akta.pro rank

Product category

Reverse Mortgage Refinancing Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Reverse Mortgage Brokerage & Lead Generation (FSALAIAB)

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Reverse Mortgage Brokerage (FSAEAEAE)

Keywords

• Reverse mortgage refinancing
• Home equity solutions
• Senior mortgage services
• Mortgage rate comparison
• Reverse mortgage lending

Headquarters

HQ city

Torrance

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Reverse Mortgage Refinancing Services: Company earns revenue by helping homeowners with existing reverse mortgages refinance to obtain additional funds, lower interest rates, or better equity terms. Revenue is likely generated through loan origination fees, interest rate differentials, or service charges associated with the mortgage refinancing process.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Golden Years Mortgage Solutions helps homeowners who already have a reverse mortgage refinance their existing loan to obtain more money (through monthly payments, lump-sum payouts, or increased line of credit), secure lower interest rates, and protect home equity for their heirs. The company partners with multiple lenders and presents customers with four rate options to choose from.

Product overview

Golden Years Mortgage Solutions offers a single unified service focused on reverse mortgage refinancing. The company helps homeowners who already have reverse mortgages obtain better terms — including additional funds through monthly payments, lump-sum disbursements, or lines of credit, as well as lower interest rates — while protecting home equity for beneficiaries. They partner with multiple lenders to provide customers with four rate options to choose from. The product is a service-based offering rather than a software platform with modules.

Differentiator

Problem solved

Functional benefit

Products and services

• Reverse Mortgage Refinancing Services Refinancing service for homeowners who already hold a reverse mortgage. Helps clients obtain additional funds through monthly income, lump-sum payouts, or an increased line of credit, secure lower interest rates, and protect home equity for heirs. The company partners with multiple lenders and presents customers with four rate options. Delivered via direct phone consultation with bilingual English/Spanish support.

Quantifiable outcome

• Documented case of $40,000 additional cash obtained with 4% interest rate reduction

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

Recent moves4 records

Expansion highlights3 records

Direct peers

• HighTechLending: Independent reverse mortgage specialist offering HECM and reverse refinancing to homeowners nationwide. Highly comparable to Golden Years because it competes in the same reverse refinance / equity optimization niche with a similar specialized, single-category focus.
• Longbridge Financial: Reverse mortgage lender focused on HECM origination and refinance products for senior homeowners. Comparable to Golden Years in target customer (existing or prospective reverse mortgage holders) and product category, with a broader geographic footprint.
• Open Mortgage: Reverse mortgage lender offering HECM refinance and new origination, including a dedicated "Reverse Renovation" product line. Comparable to Golden Years in serving senior homeowners seeking to optimize equity access via reverse mortgage products.

Broad incumbents

• Finance of America Reverse: Major reverse mortgage lender offering HECM and proprietary reverse products. Comparable to Golden Years in core reverse mortgage product category, but as a large incumbent with broader distribution and institutional capital.
• Reverse Mortgage Funding (RMF): Established U.S. reverse mortgage lender offering HECM and refinance products nationally. Comparable to Golden Years because both serve homeowners seeking to optimize or initiate reverse mortgages, though RMF operates as a scaled incumbent.
• American Advisors Group (AAG): One of the largest U.S. reverse mortgage lenders, focused on HECM origination and refinance. Comparable to Golden Years because it serves the same reverse mortgage customer set, but operates at significantly broader scale and as an incumbent brand.
• One Reverse Mortgage (Rocket Mortgage Reverse): Reverse mortgage division of Rocket Mortgage focused on HECM lending. Comparable to Golden Years in the same product category and customer segment, but with Rocket's substantially larger technology, marketing, and capital base.
• Mutual of Omaha Reverse Mortgage: Insurance-affiliated reverse mortgage provider offering HECM products via partner channels. Comparable to Golden Years in the reverse mortgage category, though Mutual of Omaha distributes primarily through partner lenders and benefits from a much broader brand.

Market position

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/goldenyearsmortgagesolutions
• LinkedInlinkedin.com/company/golden-years-mortgage-solutions

Revenue estimate

Valuation estimate

Number of profiles

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 Golden Years Mortgage Solutions