Jay Zayer

Most people who call Jay Zayer aren't ready to apply for anything. They want to know whether a reverse mortgage actually makes sense for them, and they want a straight answer. That's what Jay has given homeowners and their families since 2006.

Jay found his specialty in 2008, when a client asked if he could help her father with a reverse mortgage. He never looked back. Since then he has focused on reverse mortgages, earning the Certified Reverse Mortgage Professional (CRMP) designation and becoming a Certified Housing Wealth Advisor. He has written for HousingWire on reverse mortgage fee transparency, and he trains other loan officers on how these loans really work.

His approach starts with a question most lenders skip: what do you want your finances and housing to look like five or ten years from now? From there, he compares HECM, proprietary, and reverse second options side by side and explains the trade-offs in plain English. If a reverse mortgage isn't the right fit, he says so. His test is simple: he won't recommend a loan he wouldn't put his own parents in.

That's why adult children are his number one source of referrals, and why clients describe him as "very patient in explaining how it all worked."

Born and raised in San Diego, Jay lives in San Marcos and serves homeowners throughout California and Arizona, where his mom grew up and where he still has family.

If you or a parent are wondering whether a reverse mortgage could help, Jay is glad to talk it through, with no pressure and no obligation.