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How I Can Help You

Purchase with HECM

Own Your Dream Home

Financial Assessment

Easy Qualifying

Enhance Your Retirement

Enjoy Tax-Free Income

Sign the Lease
About: Services

Can Help Put Gold
In Your Golden Years

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About Mel

Where I grew Up

Back in the day

I grew up in the ’50s and ’60s as the youngest of 6 in a small farm town just south of Fresno and it was there that I learned about faith, family, and friends. We were a very closely-knit family and that closeness also extended into the community because the people we knew in church, school, and work were like family to usand the feeling was mutual.

Values & Roots

Looking back

I thank God for allowing me to be raised in that town during an innocent era in which we genuinely respected and cared about others.


My values today are a reflection of my upbringing in that little town. No matter who you are, you are important to me and my success has been a result of simply caring about people above profit throughout my career.


Since 1986

My experience as a mortgage broker since 1986 has given me exactly what I need to be able to educate my fellow seniors as to how this program works. This is not a “sales moment” for me. It is an educational one for the senior homeowner that is a completely hassle-free moment of discovering the benefits of this unique program with ALL your questions being answered.

A Decision


In order to ensure the senior homeowner is making a wise decision regarding a reverse mortgage, it’s very important they understand the details of how it works.


The Home Equity Conversion Mortgage (HECM - aka Reverse Mortgage) was designed and created by the U.S. Department of Housing and Urban Development in 1988, as a benefit for seniors, 62 and older. It was not created by a lender for profit and with that in mind, I look forward to showing you how it can significantly benefit and enhance your lifestyle. For many, it is life-changing.

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