Our Story

I’m Theo Misaresh, Founder of SoCal Reverse Mortgage.

I created SoCal Reverse Mortgage to help homeowners better understand a loan option that has often been misunderstood. Over the years, I have seen that many people have questions about reverse mortgages but do not always get clear, balanced explanations. My goal has been to provide education, guidance, and a more personal approach so clients can make informed decisions with confidence.

With decades of experience in real estate and mortgage lending, I have worked with homeowners through many different market cycles and financial situations. Over time, I became especially interested in helping older homeowners explore ways to reduce financial pressure, improve cash flow, and make better use of the equity they have built in their homes.

For many retirees, the monthly mortgage payment can become a major source of stress. A reverse mortgage may offer a way to reduce that burden, create greater flexibility, and support a more comfortable retirement, depending on the homeowner’s goals and qualifications.

One of the challenges with reverse mortgages is that they have carried a great deal of confusion and negative perception over the years. While older programs and misconceptions created understandable concerns, today’s HECM reverse mortgage is a more standardized option with borrower protections and required safeguards built into the process.

Even so, a reverse mortgage is not the right solution for everyone. That is why I believe the process should begin with education, careful review, and honest conversation. I want clients and their families to understand how the program works, what the responsibilities are, and whether it truly fits their needs.

My hope is to help more homeowners look at reverse mortgages with fresh understanding, ask better questions, and feel comfortable exploring an option that may improve their financial flexibility and peace of mind.