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Reverse Mortgage Lender

Dennis A. Keithly MBA

Mortgage Loan Originator

NMLS #1010315

Fresno, CA

(559) 794-5564
American Senior Lending NMLS#: 7147

Dennis A. Keithly MBA

Reverse Mortgage Company Fresno, CA

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.

Reverse Mortgage Lender Fresno

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.

 

Reverse Mortgage Broker Near You

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