Reverse Mortgage + Your California Estate Plan: Honest Answers for Homeowners 62+
A 45-minute live session co-hosted by a senior MLO and a California estate planning attorney. We answer the questions adult children and homeowners actually ask — clearly, with no pitch.
- How a reverse mortgage interacts with your living trust
- What heirs actually do when the loan needs to be paid off
- The 3 biggest myths California homeowners still believe in 2026
- When a reverse mortgage HURTS an estate plan (we'll tell you)
- 15-minute live Q&A — bring your real questions
What you'll learn in 45 minutes
No fluff. No long backstories. Just the real answers California homeowners ask us every week.
How a reverse mortgage actually works (the 4-minute version)
The mechanics, the FHA guarantee, what's required of you, and what happens if you outlive the loan.
Reverse mortgages and your living trust
Yes, you can have both. Here's exactly how the trust holds title, what the lender requires, and the language an estate attorney looks for.
What heirs actually do at the end
The 3 paths heirs can take (sell, refinance, walk away), the timelines involved, and what "non-recourse" means in real life.
When a reverse mortgage is the WRONG move
We'll tell you. Specific situations where you should not get one — even if you qualify.
The 3 biggest myths still circulating in 2026
"The bank takes your house." "Your kids lose their inheritance." "Reverse mortgages are for desperate people." We dismantle all three.
Live Q&A
Submit questions in advance or during the session. We answer as many as time allows.
Your hosts
Two professionals with no incentive to sell you anything you don't need.
Audi Garner
Senior Mortgage Loan Originator · NMLS #1566096
Senior MLO at West Capital Lending in Irvine, California. Specializes in reverse mortgages for California homeowners 62+. Licensed in California. Teaches the "honest" version of this product because the industry's reputation problem isn't an accident — it's earned, and the only fix is transparency.
Co-Host: California Estate Planning Attorney
Independent · No commission relationship
A practicing California estate planning attorney. Independent — no financial relationship with West Capital Lending. Brings the legal and trust perspective on how reverse mortgages fit into (or sometimes don't fit into) a California estate plan. Co-host name and bio confirmed in your registration confirmation email.
What past attendees say
Real feedback from California homeowners who attended past sessions.
"I went in skeptical. Audi spent 45 minutes telling me when a reverse mortgage is a bad idea before he ever talked about when it works. That earned my trust. We closed two months later."
"My mom kept asking me about reverse mortgages and I had no idea what I was talking about. This webinar made me competent enough to actually help her decide. The estate attorney piece was the part I needed."
"Finally a clear explanation that didn't feel like a sales pitch. The Q&A at the end was worth the whole hour. They answered my specific question about my trust without trying to upsell me."
Frequently asked
Is the webinar really free?
Yes. 100% free. No credit card required. The replay is also free for 7 days after the live session. We do require an email so we can send you the join link and replay.
Will I be pitched at the end?
No hard pitch. The session is approximately 80% education, 10% live Q&A, and at the end we mention that anyone who wants a free 30-minute 1-on-1 conversation can schedule one. That's it. No pressure tactics, no "limited time bonus," no countdown timers.
Can I attend if I don't live in California?
You're welcome to attend, but the legal and estate-planning content is California-specific. Audi is licensed in California only. If you live elsewhere, the general reverse mortgage education will still apply — but we won't be able to serve you as a client.
Will the webinar be recorded?
Yes. Everyone who registers gets a replay link emailed within 24 hours, available for 7 days. If you can't make the live session, register anyway — the replay is just as useful and you can submit Q&A questions in advance.
Who should attend?
California homeowners 62+ thinking about retirement funding, aging in place, or estate planning. Adult children of homeowners 62+ who want to help a parent make a smart decision. Financial advisors, CPAs, and estate attorneys who want to understand how reverse mortgages interact with their clients' plans.
What technology do I need?
Just a browser. The webinar runs on Zoom. You'll get a one-click join link in your registration confirmation. If you've never used Zoom, give yourself 5 extra minutes the first time — it'll prompt you to install a small app or join via your browser.
Will my information be sold?
No. Your information is used only to send you webinar reminders, the replay link, and our weekly LA & OC Equity Letter (which you can unsubscribe from anytime). We don't sell or share your information with third parties.
Ready to register?
100 seats. First-come, first-served. Replay included if you can't attend live.
Reserve My Free Seat →