Turn the equity you've built into greater financial flexibility without selling your home or making required monthly mortgage payments. Backed by more than 40 years of California lending experience, Excel Mortgage Services helps you explore reverse mortgage options with the guidance and confidence you deserve.
Personalized Service Backed by Institutional Strength
Retire With Confidence Through a Reverse Mortgage You Can Trust
Free Consultation and Credit Report
Schedule a free, no-obligation consultation to explore how much home equity you may be able to access. After your consultation, we can obtain your credit report at no charge, with your authorization, to help you better understand your options.
Submit Your Details
Enter your basic information in our secure consultation form to get started.
Schedule Your Consultation
Our team will connect with you to schedule a complimentary, no-obligation consultation to discuss your goals.
Personalized Financial Plan
We review your home's value and financial needs, then explain your available options in clear, straightforward terms.
WHY CHOOSE US
Comprehensive Retirement Financing Tailored to Your Life
A reverse mortgage is not a one-size-fits-all product. The right loan structure depends on your home's value, your retirement goals, and how you want to receive your funds. We offer federally insured and proprietary reverse mortgage programs and take the time to explain your available options so you can make an informed decision.
Full-Service Brokerage
We provide direct access to dozens of lenders and specialized programs, allowing us to compare options and find a suitable fit for your financial situation.
Complex Financial Solutions
Whether you're downsizing, funding home repairs, or helping family members, we help you explore complex financial situations and potential lending options.
Exceptional Personal Service
We provide dedicated, one-on-one guidance from your first call through closing. You'll work directly with our team, with no call centers or unnecessary handoffs, just honest communication.
40+ Years of Experience
Our team brings decades of hands-on lending experience across multiple market cycles, helping us handle your application with knowledge and care.
FHA HECM Reverse Mortgage
The Home Equity Conversion Mortgage (HECM) is a federally insured reverse mortgage program generally available to eligible homeowners age 62 and older. It allows eligible borrowers to convert a portion of their home equity into loan proceeds without required monthly mortgage payments. HECM loans are generally nonrecourse, meaning the amount owed is subject to applicable loan terms and program rules, even if the balance exceeds the home's value.
Jumbo Reverse Mortgage
For homeowners with higher-value properties, our proprietary jumbo reverse mortgage programs may provide access to more equity than a standard HECM. If your home is valued at $800,000 or more, you may qualify for a jumbo reverse mortgage that provides access to additional equity, depending on your circumstances and the program's terms.
HECM for Purchase
If you want to move into a home that better suits your needs, a HECM for Purchase may allow you to buy an eligible home using a reverse mortgage without required monthly mortgage payments. It may be an option for homeowners who want to move closer to family, reduce home maintenance, or find a home that better suits their current needs.
Flexible Draw Options
Depending on your reverse mortgage program, you may be able to choose how and when to receive your loan proceeds. You may be able to receive a lump sum for a large expense, arrange scheduled disbursements to supplement your income, establish a line of credit that may grow over time, or combine available options. We help you review available scenarios before you decide.
OUR SERVICES
ABOUT US
Experience You Can Count On
More than 40 years ago, Curt Frandsen made a simple promise: to treat every borrower like family. Today, as a senior loan officer with Excel Mortgage Services, he brings more than four decades of California lending experience to each application, helping retirees and other homeowners receive patient, knowledgeable guidance tailored to their needs.
Backed by Excel Mortgage Services, the Frandsen Group combines personalized service with the resources and support of an established lending organization. We work with FHA-approved loan programs, follow applicable California lending requirements, and strive to provide clear pricing and fee disclosures.
HOW IT WORKS
3 Simple Steps to a Secure Financial Future
Retire With Confidence Through a Reverse Mortgage You Can Trust
Ready To Explore Your Retirement Options?
Rising costs don't have to force difficult financial choices. Discover whether the equity you've built in your home can help fund the retirement lifestyle you've worked so hard to achieve.
Free Consultation and Credit Report
Schedule a free, no-obligation consultation to explore how much home equity you may be able to access. After your consultation, we can obtain your credit report at no charge, with your authorization, to help you better understand your options.
Ready To Explore Your Retirement Options?
Rising costs don't have to force difficult financial choices. Discover whether the equity you've built in your home can help fund the retirement lifestyle you've worked so hard to achieve.
You've spent decades building equity in your home. Now it may be time to explore how it could support your retirement goals. Excel Mortgage Services helps homeowners throughout Alameda and Contra Costa counties explore reverse mortgage options with personalized guidance and clear explanations. Schedule your free consultation today to explore whether a reverse mortgage may be right for your retirement goals.
You've spent decades building equity in your home. Now it may be time to explore how it could support your retirement goals. Excel Mortgage Services helps homeowners throughout Alameda and Contra Costa counties explore reverse mortgage options with personalized guidance and clear explanations. Schedule your free consultation today to explore whether a reverse mortgage may be right for your retirement goals.
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© Excel Mortgage Services
Full-Service Brokerage
Complex Situations Welcome
40+ Years of Lending Experience
Exceptional Personal Service
ABOUT US
Experience You Can Count On
More than 40 years ago, Curt Frandsen made a simple promise: to treat every borrower like family. Today, as a senior loan officer with Excel Mortgage Services, he brings more than four decades of California lending experience to each application, helping retirees and other homeowners receive patient, knowledgeable guidance tailored to their needs.
Backed by Excel Mortgage Services, the Frandsen Group combines personalized service with the resources and support of an established lending organization. We work with FHA-approved loan programs, follow applicable California lending requirements, and strive to provide clear pricing and fee disclosures.
Trusted Guidance for Your Home Journey
From complex sales and first-time purchases to long-term refinances, Curt Frandsen delivers compassionate, expert, and family-like service every step of the way. See what buyers and homeowners have to say about working with Curt.
Curt was absolutely delightful to work with. I felt like he genuinely cared about me and my getting the house in a timely manner. His communication was excellent and his work on my mortgage was efficient and precise. I couldn't be happier with Curt's work on my mortgage and would highly recommend him!
Curt was amazing! I had an incredibly complicated sale and purchase. Contingency and a fast close made it challenging. Curt was there every step of the way and took the time to explain things to me in a compassionate and knowledgeable way. He was kind and courteous throughout and very responsive. He made a stressful situation the best it could possibly be. I love my new home and I’m so thankful for all of his help. 10 out of 10 would totally recommend.
Curt Frandsen has been our long time mortgage broker, and has done several loans for my husband and I. He is steadfast in finding funding that is the best interest rate and helping first time buyers get approved for loans. He is very professional and treat you like family! I would highly recommend working with him. You won't be disappointed.
Curt was so helpful and kind in our homebuying process. He treated me like a human as opposed to a commission. Explained everything that was happening or would guide us to someone who had an answer if he did not. Cant thank him enough for everything he did. Also, he really negotiated with the other parties to ensure we got the best deal
I have worked with Curt for many years. Numerous refinances and for the purchase of 2 homes. He is knowledgeable, responsive and a pleasure to work with. Defiantly had my best interests in mind. I strongly recommend him.
He is a great realtor he walks with you with the all proceeds he it a professional a good person he looks the perfect home for you he won’t let spend more money than you real need to be he followed all needs and expectations for your new home 😁 he make my dreams come true to own a home 🏡
100% Privacy Guaranteed
We make navigating your retirement financing simple, secure, and transparent. At Excel Mortgage Services, the Frandsen Group has built a reputation throughout the Bay Area for providing personalized reverse mortgage guidance tailored to your long-term goals.
Get a Free Consultation and Complimentary Credit Report
From your first inquiry through closing, we make exploring your reverse mortgage options straightforward, informative, and supportive.
