Aaron Johnson | Reverse Mortgage Advisor | Carlsbad, CA

Sr. Mortgage Advisor · Carlsbad, CA

There’s a better way to use your home equity in retirement.

Clear, honest information — no pressure, no obligation. Learn about reverse mortgage options and talk to Aaron when you’re ready.

No Refinancing Required

Access cash without touching your first mortgage

HomeSafe Second lets you tap home equity as a second lien — keeping a low-rate first mortgage in place.

Learn about HomeSafe Second Start Learning

Find answers to your questions at your own pace

Explore guides and videos that explain your options clearly — no jargon, no sales pressure.

How reverse mortgages work Free Consultation

Get a no-obligation conversation with Aaron

Tell Aaron a bit about your situation and get a straight, personalized answer — no commitment required.

Schedule a call

40+

Years Experience

NMLS

Licensed Advisor

CA DRE

State Licensed

#242553

NMLS Number

Carlsbad, CA

Serving Southern CA

About Aaron Johnson

A mortgage professional who teaches first.

With over 40 years in mortgage advisory, Aaron has helped hundreds of California homeowners understand their options — without pressure, without jargon, and without rushing any decision.

If you’re a homeowner age 55 or older with significant equity, a reverse mortgage may offer a path to greater financial flexibility in retirement. Aaron’s job is to help you understand if that’s true for your situation.

Meet Aaron How It Works

Aaron Johnson

Sr. Mortgage Advisor
NMLS #242553 · CA DRE #00819928

40+

Years in Mortgage

NMLS

Licensed Advisor

DRE Licensed

“There are no wrong questions when it comes to your retirement. Ask me anything — I’ll give you a straight, honest answer.” — Aaron Johnson

Loan Programs

Find the right option for your situation.

Aaron works with homeowners across multiple reverse mortgage programs. Eligibility, loan amounts, and terms vary — here’s an overview of what’s available.

Most Common · Age 62+

HECM

Home Equity Conversion Mortgage — FHA-insured and federally regulated

Minimum age 62
FHA-insured with non-recourse protections
No monthly mortgage payments required
Flexible payout: lump sum, credit line, or monthly

Learn about HECM

Jumbo Access · Age 55+

HomeSafe

Proprietary reverse mortgage for higher-value properties

Available to homeowners age 55 or older
Higher loan limits than FHA HECM
Ideal for higher-value or non-FHA properties
No monthly mortgage payments required

Learn about HomeSafe

Keep Your First Mortgage

HomeSafe Second

Access equity without replacing your existing mortgage

Preserves your existing low-rate first mortgage
Access equity without a full refinance
No required monthly payments on the second lien
Watch the overview video on the product page

Learn about HomeSafe Second

Quick Estimate

See what your home equity could provide.

Enter a few basic details to get a rough estimate of available funds, then schedule a call for a personalized breakdown.

Open Full Calculator

Please enter a valid ZIP code, age 55 or older, home value, and mortgage balance.

Est. Available Funds

As Monthly Payment

$0/mo

Estimates are for educational purposes only and do not constitute a loan offer or commitment to lend. Contact Aaron for a personalized analysis.

Common Questions

Frequently asked questions

Will I still own my home? +

With a reverse mortgage, you — not the lender — own and control your home. You can’t be asked to leave as long as you uphold the loan terms. As with a traditional forward mortgage, the lender places a lien on the property to ensure the loan will eventually be repaid.

Will my heirs get stuck with the debt? +

No. A reverse mortgage is a “non-recourse” loan. If the loan balance exceeds the home’s value, your heirs will not be responsible for paying the difference. They can repay the loan balance and keep the home, sell the home and keep any remaining equity, or sign over the title and walk away — with no personal liability.

What are the basic eligibility requirements? +

For a HECM, you must be at least 62 years old. For HomeSafe and HomeSafe Second products, the minimum age is 55 in most states. In addition to meeting the age requirement, you’ll typically need significant equity in your home — generally at least 50% — and the home must be your primary residence.

What happens at the end of a reverse mortgage? +

A reverse mortgage ends when the last borrower permanently leaves the home — whether by passing away, selling, or moving out. At that point, the loan principal and accrued interest must be repaid. Your heirs can repay it by selling the home, paying off the balance with other funds, or in the case of a non-recourse loan, simply signing over the title if the balance exceeds the home’s value.

How does a reverse mortgage affect Social Security or Medicare? +

Reverse mortgage proceeds are generally not considered income, so they typically do not affect Social Security or Medicare benefits. However, they may affect Medicaid or SSI eligibility if proceeds are not spent in the month they’re received. Aaron recommends discussing this with a financial advisor for your specific situation.

What’s the difference between a reverse mortgage and a HELOC? +

A HELOC requires monthly payments and income qualification. A reverse mortgage requires no monthly mortgage payments — though you must still pay property taxes, homeowners insurance, and maintain the home. A reverse mortgage also does not require income verification. Each has tradeoffs depending on your financial situation and goals.

For Financial Professionals

Working with advisors & realtors

Aaron partners with financial planners, realtors, and estate attorneys to help their clients understand reverse mortgage options — with accuracy and no sales pressure.

📊

Financial Planners

Add reverse mortgage literacy to your client conversations. Aaron provides training, case studies, and referral support for planners serving clients 55+.

Resources for Planners 🏠

Realtors & HECM for Purchase

Understand how reverse mortgages help senior clients buy a home with no monthly mortgage payment — or evaluate equity before a listing.

Resources for Realtors

Ready to start the conversation?

No commitment required. Schedule a free, no-pressure call with Aaron and get your questions answered directly.

Schedule a Free Call Explore Programs