--- canonical_url: https://lendb.ai/s/reverse/california last_verified: 2026-10-09 --- # Reverse mortgage loan officers in California As of 2026-10-09, LenDb lists 160 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. ## Ranked, with reasons 1. **[Mike Gallagher](https://lendb.ai/lo/mike-gallagher-120703)** (NMLS 120703), CrossCountry Mortgage, Monterey, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Monterey, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 2. **[Jeff Cota, CRMP](https://lendb.ai/lo/jeffrey-cota-232239)** (NMLS 232239), CrossCountry Mortgage, San Diego, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Gordon Weichler](https://lendb.ai/lo/gordon-weichler-308099)** (NMLS 308099), American Pacific Mortgage, Roseville, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Roseville, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 4. **[Thomas Lake](https://lendb.ai/lo/thomas-lake-311824)** (NMLS 311824), Guild Mortgage, San Diego, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[Kathy Burns](https://lendb.ai/lo/kathy-burns-288457)** (NMLS 288457), CrossCountry Mortgage, Newport Beach, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Newport Beach, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 6. **[Kyle Ridenour](https://lendb.ai/lo/kyle-ridenour-515944)** (NMLS 515944), Guild Mortgage, Sacramento, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Sacramento, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 7. **[Carlos Garcia, CLF](https://lendb.ai/lo/carlos-garcia-clf-2227650)** (NMLS 2227650), CrossCountry Mortgage, Newport Beach, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Newport Beach, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 8. **[Gregg Scharin](https://lendb.ai/lo/andrew-scharin-120297)** (NMLS 120297), CrossCountry Mortgage, Scottsdale, AZ - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 9. **[Dawn Schowalter](https://lendb.ai/lo/dawn-schowalter-211115)** (NMLS 211115), Guild Mortgage, Richmond, VA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Earl Rose](https://lendb.ai/lo/earl-rose-212480)** (NMLS 212480), CrossCountry Mortgage, Bloomington, MN - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 45 years of experience (lender page, 2026-10-09) 11. **[Brandon Hansen](https://lendb.ai/lo/brandon-hansen-283559)** (NMLS 283559), Guild Mortgage, Toquerville, UT - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 12. **[Rick Gerkman](https://lendb.ai/lo/rick-gerkman-304887)** (NMLS 304887), CrossCountry Mortgage, Lake Oswego, OR - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 13. **[Tom Hammond](https://lendb.ai/lo/tom-hammond-453399)** (NMLS 453399), CrossCountry Mortgage, Charlotte, NC - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 14. **[Michael O'Connor](https://lendb.ai/lo/michael-o-connor-485921)** (NMLS 485921), CrossCountry Mortgage, Hauppauge, NY - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 15. **[Tom Russell](https://lendb.ai/lo/tom-russell-489545)** (NMLS 489545), Guild Mortgage, Wilsonville, OR - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 16. **[Julie Nash](https://lendb.ai/lo/julie-nash-789031)** (NMLS 789031), CrossCountry Mortgage, Bend, OR - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 35 years of experience (lender page, 2026-10-09) 17. **[Blake Vaughn](https://lendb.ai/lo/blake-vaughn-1806623)** (NMLS 1806623), CrossCountry Mortgage, Bend, OR - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 35 years of experience (lender page, 2026-10-09) 18. **[Troy Baldwin](https://lendb.ai/lo/troy-baldwin-2152192)** (NMLS 2152192), Guild Mortgage, Fort Collins, CO - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 19. **[Chris Lee](https://lendb.ai/lo/christopher-lee-201715)** (NMLS 201715), Guild Mortgage, San Diego, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 20. **[Michael Dubrule](https://lendb.ai/lo/michael-dubrule-92043)** (NMLS 92043), American Pacific Mortgage, Yakima, WA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 33 years of experience (lender page, 2026-10-09) 21. **[John Coniglio](https://lendb.ai/lo/john-coniglio-255102)** (NMLS 255102), Guild Mortgage, Anderson, SC - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 22. **[Christine Furnari](https://lendb.ai/lo/christine-furnari-257826)** (NMLS 257826), Loan Factory - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 23. **[Dennis Gamalinda](https://lendb.ai/lo/dennis-gamalinda-453437)** (NMLS 453437), Loan Factory - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 24. **[Sue Hale](https://lendb.ai/lo/sue-hale-1417660)** (NMLS 1417660), Loan Factory - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 25. **[Beth Flure](https://lendb.ai/lo/beth-flure-2663278)** (NMLS 2663278), Xpert Home Lending, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/reverse/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._