Reverse Mortgages in California
California's reverse mortgage rules go beyond the federal HECM program. Every legal statement on this page carries a citation to the statute or a California state agency, with the date we retrieved it.
Last updated: Not recorded — this page has no modification date on file, so none is published in its structured data either.
California legal requirements
California imposes requirements beyond the federal HECM rules. Each is published here only with its statute or state agency citation and the date we retrieved it.
Reverse Mortgage Elder Protection Act summary
Not written yet. This section publishes only with editor-supplied text and a citation to the statute or a California state agency.Required pre-application disclosures (Worksheet Guide, Important Notice)
Not written yet. This section publishes only with editor-supplied text and a citation to the statute or a California state agency.Cooling-off period between counseling and final application
Not written yet. This section publishes only with editor-supplied text and a citation to the statute or a California state agency.Counseling agency independence requirement
Not written yet. This section publishes only with editor-supplied text and a citation to the statute or a California state agency.What a lender may and may not do during the waiting period
Not written yet. This section publishes only with editor-supplied text and a citation to the statute or a California state agency.DFPI licensing and how to verify a California lender
Not written yet. This section publishes only with editor-supplied text and a citation to the statute or a California state agency.Companies licensed in California
Federal HECM limit
The federal HECM maximum claim amount is $1,249,125. It caps the home value used in the calculation, not the payout, and applies nationwide — which is why proprietary and jumbo products matter more in California than in most states.
California topics
California counties
All 58 counties exist in our records as a scaffold. A county page publishes only when it carries county-specific content — local HUD-approved counseling agencies, county property tax postponement details, or county home value data relevant to jumbo eligibility. None is published today.
- Alameda County — not published
- Alpine County — not published
- Amador County — not published
- Butte County — not published
- Calaveras County — not published
- Colusa County — not published
- Contra Costa County — not published
- Del Norte County — not published
- El Dorado County — not published
- Fresno County — not published
- Glenn County — not published
- Humboldt County — not published
- Imperial County — not published
- Inyo County — not published
- Kern County — not published
- Kings County — not published
- Lake County — not published
- Lassen County — not published
- Los Angeles County — not published
- Madera County — not published
- Marin County — not published
- Mariposa County — not published
- Mendocino County — not published
- Merced County — not published
- Modoc County — not published
- Mono County — not published
- Monterey County — not published
- Napa County — not published
- Nevada County — not published
- Orange County — not published
- Placer County — not published
- Plumas County — not published
- Riverside County — not published
- Sacramento County — not published
- San Benito County — not published
- San Bernardino County — not published
- San Diego County — not published
- San Francisco County — not published
- San Joaquin County — not published
- San Luis Obispo County — not published
- San Mateo County — not published
- Santa Barbara County — not published
- Santa Clara County — not published
- Santa Cruz County — not published
- Shasta County — not published
- Sierra County — not published
- Siskiyou County — not published
- Solano County — not published
- Sonoma County — not published
- Stanislaus County — not published
- Sutter County — not published
- Tehama County — not published
- Trinity County — not published
- Tulare County — not published
- Tuolumne County — not published
- Ventura County — not published
- Yolo County — not published
- Yuba County — not published
See something that needs updating?
Every factual statement here should be traceable to a source. If a figure, status, licence or company detail looks wrong or out of date, tell us which page and which statement, and include a source we can check. Corrections are reviewed, logged with a date, and published. A monitored corrections address is being set up; until it is live, use the corrections page for the current process.