Skip to main content

Reverse Mortgage Lender

Dennis A. Keithly MBA

Senior Educator

NMLS #1010315

Fresno, CA

(559) 917-4955
Reverse Your Thinking® Mortgage NMLS#: 2161957

Dennis A. Keithly MBA

With combined 55 years of mortgage experience and almost 30 years originating reverse mortgages, Reverse Your Thinking Mortgage, a division of e Mortgage Capital, works closely with homeowners, financial planners, attorneys, credit unions/banks, CPAs, realtors and other professionals to integrate home equity into comprehensive and strategic retirement strategies. With over $ 14 trillion in senior home equity nationwide, today's reverse mortgage has evolved into a powerful financial planning tool, not as a last resort.

About Us: Reverse Your Thinking Mortgage

We were founded to help pre and post retirees, plus their professional advisors better understand how home equity
can support long-term financial security. Based in California, I was proudly raised on Sun-Maid values of integrity and hard work. We specialize in reverse mortgage strategies designed to complement, not replace, traditional financial planning.

Our team has been originating reverse mortgages for almost 30 years, working collaboratively with trusted professionals to help clients improve cash flow, manage market risk, set up a line of credit that grows over time and extend life over retirement assets, not having to worry about running out of income during one's lifetime.

We serve clients throughout California and 46 other states through our broker relationship with e Mortgage Company.

 

Reverse Mortgages as a Financial Planning Tool

Today's reverse mortgage is no longer just a loan of last resort. When properly structured, it can be used as a financial planning tool to:

  • Supplement retirement income
  • Improve cash flow, liquidity
  • Create a standby line of credit that grows over time
  • Reduce portfolio drawdowns during market volatility
  • Delay Social Security benefits
  • Address longevity and healthcare risks
  • Support divorce, estate and tax planning strategies

When coordinated with professional advisors, home equity can play a meaningful role in preserving wealth and improving retirement outcomes

 

Products We Offer

We provide access to a wide range of home equity solutions, such as:

  • FHA-insured HECM (Home Equity Conversion Mortgage), the real name of reverse mortgages now up to $1,249,125, the new lending limit in 2026
  • Jumbo and proprietary Mortgages up to $10,000,000 or more
  • Home Equity Lines of Credit (HELOCS) for those 55 plus
  • Second mortgages
  • Other customized equity solutions depending on client needs

All options are evaluated with the client and planning-first mindset.

 

Who We Work With

Our primary focus is collaborating with business and financial professionals, including:

  • Financial planners and wealth advisors
  • Attorneys including elder care, estate planning and divorce
  • CPAs and tax professionals
  • Insurance professionals offering Medicare plans
  • Banks and credit unions
  • Realtors
  • Other trusted professionals serving the 55 plus market

We act as a resource, educator and collaborator, not a replacement for existing relationships