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Rancho Bernardo Reverse Mortgages

Shop for the best reverse mortgage deals in Rancho Bernardo, California.

Meet Rosemarie J. Litoff

Rosemarie J. Litoff Reverse Mortgages

Rosemarie J. Litoff

Certified Reverse Mortgage Professional

NMLS #238800

(858) 673-0288



Find the best reverse mortgage deals in Rancho Bernardo, California.

Rosemarie Litoff and C2 Financial are one of Rancho Bernardo’s most respected teams if you’re seeking quality advice on reverse mortgages – from Escondido to Poway or anywhere in the San Diego metropolitan area.

Rosemarie has been a licensed realtor selling Home Equity Conversion Mortgages since 2005 and a Certified Reverse Mortgage Professional since 2020.

It’s why she devotes most of her time and energy to helping San Diego’s senior homeowners to strengthen their financial freedom in their retirement with reverse mortgages.

Rancho Bernardo, California
Caption: Rancho Bernardo, California. Credit: Flickr.

“There's a reason countless associates in the financial and legal fields refer their clients to me for reverse mortgages,” Rosemarie says.

“After becoming a widow overnight, I recognize the importance of having someone who will speak with you honestly, providing the right answers as quickly as possible.

“That means I'll deliver to you highly relevant mortgage information in real time, allowing you to make smarter choices and well-informed decisions.”

Rosemarie only works with a few clients, allowing her to fully focus on their needs and vision for the future.

It also allows her to really get to know them - many end up lifelong friends.

“I’ll make the process pleasant,” she promises.

“I can take a joke, appreciate the absurdities of life and I know when to share a smile or offer a shoulder to cry on.

“I've made it my life's goal to make the loan process as painless and worry-free for you as possible. Your questions are always answered quickly, honestly, and completely.

“I’ll be by your side every step of the way.”

What is a reverse mortgage?

A reverse mortgage is tailor made for senior homeowners who have equity in their home but find themselves cash poor as the cost of living continues to skyrocket.

If you are at least 62 years of age, a reverse mortgage might well be the magic wand you have been searching for.

That’s because it converts that equity in your home into a brand new income stream.

Watch your financial stresses melt away as you relax, safe in the knowledge that you will be able to continue to live in your prized home, rather than have to consider selling it to free up cash.

It really will give you the opportunity to enjoy your retirement with the level of comfort you had always hoped for.

Funds can be made available in many different ways including a line of credit, monthly installments, a lump sum or a combination of all three.

As long as the terms of the loan are met, it does not require repayment until either the homeowner sells or the last surviving borrower passes away.

It’s one of the smartest ways homeowners can enjoy their golden years worry-free.

House prices have risen significantly over the last couple of years.

And while that momentum has eased, Rancho Bernardo has still enjoyed a 4.2 percent appreciation in the 12 months taking average returns to $880,860* (

There is no shortage of residents in and around Rancho Bernardo who have jumped on the reverse mortgage bandwagon - 2,412 of them. And 403 have bought one in the last 12 months.

About Rancho Bernardo, California

Rancho Bernardo literally means “the place or canyon of St Bernard”.

Once one of the biggest livestock regions in California, the former Mexican land grant was subdivided several times until in 1961, the city of San Diego decided to transform it into a self-contained master-planned community.

Lying in the city’s northern hills around 20 miles from downtown San Diego, Rancho Bernardo is now an idyllic place to live, adorned with excellent local schools, golf courses, open spaces and shopping centers.

The largely white-collar community is home to 133,000 people, two-thirds of which are families.

The Bernardo Winery has been operating since 1889 and is the oldest-operating winery in the region. It even produced wine legally during prohibition for the Catholic Church!

The winery also houses the Rancho Bernardo Historical Museum.

The community celebrates RBAlive! each summer with a vibrant, bustling street carnival.

Contact your Rancho Bernardo reverse mortgage lender today.

Rosemarie and her team at C2 Financial are standing by to answer your every question about reverse mortgages with a minimum of fuss.

“Life is stressful enough,” Rosemarie says.

“Putting your home equity to work for you shouldn’t add to your troubles.”

Call her today at (858) 673-0288 for a no obligations chat.

*As of March 2023


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