# Orange County Reverse Mortgage – OCReverse.com – Retire better with the Huntington Beach Reverse Mortgage Lender [ Skip to content](#content) Orange County Reverse Mortgage – OCReverse.com Menu # Retire Better & Let Your Home Pay You Back A Reverse Mortgage is simply a loan, but the payments accrue instead of being paid monthly. You get funds, and no monthly payments. [ Start a Conversation ](/morningstar) ## We are reverse mortgage experts. Estate planning, trust fund considerations, medical care planning and power of attorney issues are often involved. This makes the use of a true qualified professional extremely important. If you’re curious about how a Reverse Mortgage works and can help you,  start by watching our short video on this page. ### Get a Quote How much will you qualify for? What are the costs & fees? Would you prefer lump-sum, monthly payments, or a line of credit? ### Learn the Facts We've heard all the horror stories too. Like any mortgage, you continue paying insurance and taxes. It's simply a loan without monthly payments. ### Get Your Funds If you decide a reverse mortgage is right for you, expect funds in a few weeks. Continue paying taxes & insurance as you do now. ## Why do people get a reverse mortgage? - Strengthen your personal and financial independence. - Minimal Income Requirements: The homeowner does not need to be working and the product is intended for borrowers who are typically retired. What is required is the ability to maintain the property and insurance and pay property taxes, which most borrowers would do anyway. - You can never lose your home in foreclosure as long as you live in the home as your primary residence*.The loan is only paid off when the house is sold by you or your heirs, or all borrowers move out of the house. * Note continuing to pay property taxes, insurance, and maintain the integrity of the property is required. - Keep your Medicare or Social Security benefits. - Use it as a credit line and draw upon it as needed. - Get all your cash right away. - Get the best of both—get cash now and have a balance in reserve to use as a credit line. ## How can I use the funds? However you like. A reverse mortgage is simply another type of home loan, but payments accrue instead of being paid monthly. Common uses include… - Hospital and Health Care costs. The biggest potential burden to Seniors can be offset with funds from a Reverse Mortgage - Eliminate current mortgage payment burdens - Home Improvements or Repair. You can use the funds to turn your home into the dream home you always wanted. - Reduce burden on children. If your children are helping support you, you can relieve them of the burden with a Reverse Mortgage - Gifts to heirs. You can help your children buy their first home, or send a grandchild to college - Peace of Mind. A Reverse Line of Credit can be used for any future emergencies Click on our [Reverse Mortgage Calculator](https://revmort.reversesoftonline.com/ReverseMortgage/jsp/extCalculator.jsf?compCde=MRNFIN000) to see what you loan amounts and options you qualify for – or just give us a call! We can help in person, with no obligation and a quick friendly chat. Call now to learn more. [ Schedule a Consultation ](/morningstar) ## Are you Ready to Meet Morningstar mortgage? Start a conversation today  [ apply now ](/morningstar) ## You keep Your Home. ## You can still pass on your home to children. A common concern people have is that they’ll lose their home. If you sell your home with a regular mortgage, the loan is paid off at closing, and any funds left over are given to you, the seller, after fees. A reverse mortgage works the same way. You still need to pay your taxes and insurance – like any home loan. The mortgage becomes due when you sell the home, move out, or pass away. Heirs can then refinance it and keep it if they choose. [ APPLY NOW ](/morningstar) ## We Help Seniors Retire Better Imagine a retirement on **your**  terms. Whether you want to pay off debt, or gift to grandchildren while around to enjoy it, or buy an RV or boat or other travel, or buy a 2nd home near children, or even just sleep soundly, knowing you’ve got cash flow options to cover your needs, we want to help. [ start a conversation ](/morningstar) ## Free Reports Menu ## Case Studies Menu ## Recent Updates ## 800-216-6322 17011 Beach Blvd. #900 Huntington Beach, CA 92647 ## Search This Site © 2023 Morningstar Mortgage, Inc. CA BRE License #01277889, NMLS ID# 241680 Disclaimer: This material is not provided from HUD nor FHA, and has not been approved by HUD or a government agency. [ Facebook ](https://www.facebook.com/MorningstarMortgage) [ Linkedin ](https://www.linkedin.com/company/morningstar-mortgage/about/) [](/reviews/very-happy/) [5 out of 5 stars ](/reviews/very-happy/) [Very happy](/reviews/very-happy/) [Bill wrote the home mortgage for me, and we were very happy with the end result. Low rate, closed on time, everything went fine. I’ve referred other clients already and recommend Bill and the morningstar team to anyone needing a reverse mortgage or forward regular mortgage. ](/reviews/very-happy/) Roger Vaughn - Los Angeles Tuesday, January 15th, 2019 [](/reviews/great-rates-excellent-service/) [5 out of 5 stars ](/reviews/great-rates-excellent-service/) [Great rates, excellent service](/reviews/great-rates-excellent-service/) [Morningstar did a mortgage and a couple Refinances for me. I got great rates, excellent service and Bill made it extremely easy and hassle free. ](/reviews/great-rates-excellent-service/) Sharilyn H - Huntington Beach Tuesday, January 15th, 2019 [](/reviews/definitely-recommend/) [5 out of 5 stars ](/reviews/definitely-recommend/) [Definitely recommend](/reviews/definitely-recommend/) [As a broker, I need to have confidence in the lender’s ability to get the loan complete. Bill has helped numerous clients of mine get their loan so they can purchase their home. He is customer focused and stays on top of the transaction. Definitely recommend him to anyone looking for a loan or reverse mortgage. ](/reviews/definitely-recommend/) Brett Kinigstein - Huntington Beach Tuesday, January 15th, 2019 [](/reviews/fantastic/) [5 out of 5 stars ](/reviews/fantastic/) [Fantastic](/reviews/fantastic/) [Bill Gaffney at Morningstar was fantastic! He walked us through every step of the process for buying our first home and made the process so easy. He went above beyond to get us the best rate possible and expedite all documents we needed from our HOA. Highly recommend if you want to save time and money! ](/reviews/fantastic/) Katie Greenbaum - Huntington Beach Tuesday, January 15th, 2019 [](/reviews/lowest-rate-available/) [5 out of 5 stars ](/reviews/lowest-rate-available/) [Lowest rate available](/reviews/lowest-rate-available/) [“I cannot say enough great things about working with Bill Gaffney of Morningstar Mortgage!!! He just makes the whole process of refinancing so easy, but not only that, he was always able to give me the lowest rate available!!! In the past, I dealt with many other lenders & the process was so cumbersome & seemed to take forever!!! Bill is not only knowledgeable in his field, but very responsive & pleasant to work with, making the whole process a breeze!!! That is why I keep going back to Bill with any mortgage related question & have wholeheartedly recommended him to all of my friends!!!” ](/reviews/lowest-rate-available/) Barbara Gross - Huntington Beach Tuesday, January 15th, 2019 [](/reviews/easy-to-work-with/) [5 out of 5 stars ](/reviews/easy-to-work-with/) [Easy to work with](/reviews/easy-to-work-with/) [I wouldn’t have my house if it wasn’t for Bill. He helped me find a house in my price range and arranged for everything. Then when it came time to do a major remodel he helped me with the refinancing. It was nearly effortless. While friends and coworkers struggled with their refinancing I breezed through mine. Bill was easy to work with and very flexible. I sometimes work odd hours and he worked with me to get everything signed. He even had a notary come to my house. He took care of everything. He was patient with my stupid questions and made me feel comfortable when the idea of refinancing frayed my nerves. Every time that I hear people tell their horror stories about financing or refinancing their homes, I thank my lucky stars that I didn’t have to go through that. Thank you Bill! ](/reviews/easy-to-work-with/) Kitarra Chaosweaver - Fountain Valley Tuesday, January 15th, 2019 [](/reviews/simple-and-stress-free/) [5 out of 5 stars ](/reviews/simple-and-stress-free/) [Simple and stress-free](/reviews/simple-and-stress-free/) [It’s always a great experience working with Bill at Morning Star, he’s extremely knowledgeable, friendly and always takes the time to answer any questions I may have. He makes the whole process very simple and stress-free. I have recommended him to all my friends and family. ](/reviews/simple-and-stress-free/) Kathy C - Laguna Niguel Tuesday, January 15th, 2019 [](/reviews/customer-service/) [5 out of 5 stars ](/reviews/customer-service/) [Astounding customer service](/reviews/customer-service/) [I have relied on Bill Gaffney and Morningstar Mortgage for 100% of my real estate borrowing for over 20 years. We have purchased 2 homes in Southern California with Bill’s help and also re-financed those homes when Bill let us know the rates had dropped. His expertise coupled with his astounding customer service is an unbeatable combination. I shopped around at my bank and other lenders – and found that Bill always offered the very best interest rates and lowest overall fees. Most importantly, I really trust Bill to act in my best interest when advising me. He has my highest rating! ](/reviews/customer-service/) Derek Vaughan - Seal Beach Tuesday, January 15th, 2019 [](/reviews/recommended/) [5 out of 5 stars ](/reviews/recommended/) [Recommend without reservation](/reviews/recommended/) [We have done business with Bill for over 20 years. He was helped us through purchases, and several refinances when he alerted us that interest rates had decreased.Each time he carefully explained several financing options and showed us on graphic reports how they compared to each other. And his rates beat our bank by over .25%! I recommend Bill Gaffney without reservation to anyone looking for mortgage assistance.” I trust him completely! ](/reviews/recommended/) KAREN ROBINSON - Orange County Tuesday, January 15th, 2019 [](/reviews/great-to-work-with/) [5 out of 5 stars ](/reviews/great-to-work-with/) [Great to work with](/reviews/great-to-work-with/) [Bill at Morningstar has been great to work with on both the buy and sell side of our homes. He takes all the time, we need, to explain all the issues, options, and ideas. We have had a professional relationship that spans over a decade, and we trust him to represent us fully with these big decisions. Peter & Tanya ](/reviews/great-to-work-with/) Peter Priebe - Huntington Beach Tuesday, January 15th, 2019