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Loan programs · California

Reverse mortgage loan officers in California

As of 2026-10-09, LenDb lists 168 loan officers licensed in or based in California whose lender pages show Reverse mortgage work. The top-ranked are Mike Gallagher (CrossCountry Mortgage, Monterey), Jeff Cota, CRMP (CrossCountry Mortgage, San Diego) and Gordon Weichler (American Pacific Mortgage, Roseville). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 25

  1. 1

    Mike GallagherNMLS 120703

    CrossCountry Mortgage · Monterey, CA · licensed in 2 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in Monterey, CA
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Jeff Cota, CRMPNMLS 232239

    CrossCountry Mortgage · San Diego, CA · licensed in 3 states

    • Reverse mortgage
    • Jumbo loan
    • FHA loan
    • HELOC
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in San Diego, CA
    • Licensed since 2018 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Gordon WeichlerNMLS 308099

    American Pacific Mortgage · Roseville, CA

    • Reverse mortgage
    • First-time buyer
    • HELOC
    • Real estate investor
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in Roseville, CA
    • States 30 years of experience (lender page, 2026-10-09)
  4. 4

    Thomas LakeNMLS 311824

    Guild Mortgage · San Diego, CA · licensed in 15 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in San Diego, CA
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  5. 5

    Kathy BurnsNMLS 288457

    CrossCountry Mortgage · Newport Beach, CA · licensed in 7 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in Newport Beach, CA
    • Licensed since 2014 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  6. 6

    Kyle RidenourNMLS 515944

    Guild Mortgage · Sacramento, CA · licensed in 4 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in Sacramento, CA
    • Licensed since 2011 (per Florida records)
    • States 13 years of experience (lender page, 2026-10-09)
  7. 7

    Carlos Garcia, CLFNMLS 2227650

    CrossCountry Mortgage · Newport Beach, CA

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in Newport Beach, CA
    • States 30 years of experience (lender page, 2026-10-09)
  8. 8

    Gregg ScharinNMLS 120297

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  9. 9

    Dawn SchowalterNMLS 211115

    Guild Mortgage · Richmond, VA · licensed in 13 states

    • Reverse mortgage
    • First-time buyer
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  10. 10

    Earl RoseNMLS 212480

    CrossCountry Mortgage · Bloomington, MN · licensed in 15 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 45 years of experience (lender page, 2026-10-09)
  11. 11

    Brandon HansenNMLS 283559

    Guild Mortgage · Toquerville, UT · licensed in 11 states

    • Reverse mortgage
    • Asset-based qualifying
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  12. 12

    Rick GerkmanNMLS 304887

    CrossCountry Mortgage · Lake Oswego, OR · licensed in 6 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • States 25 years of experience (lender page, 2026-10-09)
  13. 13

    Tom HammondNMLS 453399

    CrossCountry Mortgage · Charlotte, NC · licensed in 9 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)
  14. 14

    Michael O'ConnorNMLS 485921

    CrossCountry Mortgage · Hauppauge, NY · licensed in 13 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  15. 15

    Tom RussellNMLS 489545

    Guild Mortgage · Wilsonville, OR · licensed in 5 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • States 30 years of experience (lender page, 2026-10-09)
  16. 16

    Julie NashNMLS 789031

    CrossCountry Mortgage · Bend, OR · licensed in 4 states

    • Reverse mortgage
    • FHA loan
    • First-time buyer
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • States 35 years of experience (lender page, 2026-10-09)
  17. 17

    Blake VaughnNMLS 1806623

    CrossCountry Mortgage · Bend, OR · licensed in 4 states

    • Reverse mortgage
    • First-time buyer
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • States 35 years of experience (lender page, 2026-10-09)
  18. 18

    Troy BaldwinNMLS 2152192

    Guild Mortgage · Fort Collins, CO · licensed in 3 states

    • Reverse mortgage
    • First-time buyer
    • Down payment assistance
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Colorado records)
    • States 30 years of experience (lender page, 2026-10-09)
  19. 19

    Chris LeeNMLS 201715

    Guild Mortgage · San Diego, CA · licensed in 14 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in San Diego, CA
    • Licensed since 2018 (per Florida records)
    • States 13 years of experience (lender page, 2026-10-09)
  20. 20

    John ConiglioNMLS 255102

    Guild Mortgage · Anderson, SC · licensed in 15 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2014 (per Florida records)
    • States 18 years of experience (lender page, 2026-10-09)
  21. 21

    Christine FurnariNMLS 257826

    Loan Factory · Mortgage broker

    • Reverse mortgage
    • First-time buyer
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • States 28 years of experience (lender page, 2026-10-09)
  22. 22

    Dennis GamalindaNMLS 453437

    Loan Factory · Mortgage broker · licensed in 2 states

    • Reverse mortgage
    • Jumbo loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 35 years of experience (lender page, 2026-10-09)
  23. 23

    Beth FlureNMLS 2663278

    Xpert Home Lending · Mortgage broker · California

    • Reverse mortgage
    • FHA loan
    • First-time buyer
    • Non-QM loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in California
    • States 40 years of experience (lender page, 2026-10-09)
  24. 24

    Glenn GrantNMLS 117776

    CrossCountry Mortgage · Naples, FL · licensed in 5 states

    • Reverse mortgage
    • Non-QM loan
    • Real estate investor
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 38 years of experience (lender page, 2026-10-09)
  25. 25

    Robert WhiteNMLS 2002161

    Guild Mortgage · San Diego, CA · licensed in 8 states

    • Reverse mortgage
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in San Diego, CA
    • Licensed since 2021 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)

Before you choose

Counseling, financial assessment and heir considerations make reverse mortgages a specialty of their own.

  • Are you a reverse mortgage specialist, and how many have you closed?
  • What are the total costs, including mortgage insurance?
  • What happens to the home for my heirs?

More about Reverse mortgage

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a CA license is confirmed with the state regulator (check mark), CA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=reverse&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.