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About Us

Welcome To Senior Advantage Association

A reverse mortgage is a type of loan available to homeowners, 62 years or older, that allows them to convert apart of the equity in their home into cash.

The product was conceived as a means to help retirees with limited income to use the accumulated wealth in their homes to cover basic monthly living expenses and pay for health care. However, there is no restriction on how reverse mortgage proceeds are used. The loan is called a reverse mortgage because the lender makes payments to the borrower instead of making monthly payments to a lender, as with a traditional mortgage.

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About Us

Who We Are

Senior Advantage Association (SAA) is known as one of the premier reverse mortgage firms in the country with offices in San Francisco and Los Angeles, California. At SAA we are driven to bring financial security and freedom to the aging population. We do so by qualifying seniors home owners on the only reverse mortgage that is insured by the U.S. Federal Government, the Home Equity Conversion Mortgage or HECM, through an FHA approved lender.

SAA was founded by a small group of individuals, focused on delivering the best service for your financial needs. We are dedicated to providing advice and expertise at the highest levels, catered to each individual, couple or family. We have achieved extraordinary results, focused on solving our client’s most important challenges, and allowed clients to enjoy a secure retirement.

Our loan officers are experts in the field and are dedicated to upholding high standards of ethical and professional practice in the industry. Each loan officer has tremendous experience in the reverse mortgage business, personally closed dozens of loans, and passed rigorous national, state examination and background check.

We do not strive to be the largest firm measured by numbers. Our focus is to be the firm of choice for clients with respect to their most challenging mortgage issues. Our distinctive structure defines our approach. We have a team of talented experts who work together on a task-force basis on all of our clients’ matters. Our structure and approach attract talented individuals who enable us to achieve excellent results for our client in complex matters. This unique mix of people and expertise is the key to our success.

Why Choose Us

Buying or renting a home is a big financial decision. And whether it’s a condo, a townhouse, or a single family residence — new construction or a home with a history — this transaction will have a significant impact on your budget. What do you need to know?

Information is critical when you are shopping for a mortgage. And it’s equally important to know the consequences of falling behind on your payments and the telltale signs of a foreclosure rescue scam.

About Us


An Overview


After the loan closes, a loan “Servicer“ manages the account and is responsible for disbursing monthly payments to the homeowner (if this payment option is chosen), advancing funds from the line of credit upon request, collecting any voluntary repayments and sending periodic statements.

The Servicer is also responsible for monitoring to make sure that real estate taxes are paid, insurance is maintained on the home and the borrower continues to live in the property.

A Servicer who is a NRMLA member will always be available to make sure you are aware of the current loan balance and all costs, as well as answer any questions you might have about your reverse mortgage.