About Miguel
If you've been searching for a reverse mortgage broker near you in Los Angeles, Downey, or anywhere in California, you've found someone who does this every day. For over 20 years I've helped California seniors unlock the equity in their homes through reverse mortgages — with honesty, patience, and zero pressure. From my office in Downey, I work as a specialist at Reverse Mortgage Plus, the reverse-mortgage practice of Home Central Financial, focusing exclusively on FHA-insured HECM and proprietary reverse mortgages for homeowners 62 and older throughout Los Angeles, Orange County, the Inland Empire, and San Diego.
My approach is simple: I educate first. I make sure every client — and their family — fully understands how a reverse mortgage works, what it costs, and whether it's right for their situation before we ever move forward. Many of my clients come to me after a confusing experience elsewhere and leave saying they finally understand the process.
I'm a licensed California mortgage broker (NMLS #401212), operating through Home Central Financial (NMLS #1181137), a member of the National Reverse Mortgage Lenders Association (NRMLA), and I hold specialized certifications in senior financial planning. I'm also a proud graduate of the University of Southern California (USC). I'm fluent in English and Spanish, and as a local, bilingual reverse mortgage broker and loan officer I serve California's diverse Latino and Hispanic communities directly.
When you work with me, you work directly with me — not a call center, not a junior loan officer. My cell phone is always on.
