Brad Dela Cruz | NMLS# 582941 | (310) 920-7610
Brad Dela Cruz

So. Cal Leader in Reverse
Mortgage Loans for AAG


or Call (310) 920-7610

Brad Dela Cruz

So. Cal Leader in Reverse Mortgage Loans for AAG

Request Info

or Call (310) 920-7610

What is a reverse mortgage

Learn the advantages of a reverse mortgage. Enjoy our videos below.

Formally known as a Home Equity Conversion Mortgage (HECM), a reverse mortgage loan has helped more than a million American homeowners realize a better retirement. Use the tax-free proceeds to make home repairs, pay for medical care or cover everyday expenses.

No two retirements are the same, so feel comfort knowing we have you covered. I work directly with older homeowners, their family members and Advisors to show the possibilities reverse mortgage loans open. For most, the use of home equity in retirement today is essential. Let me help structure a personalized solution that will meet your retirement needs.

Over the years, the myths around reverse mortgages have stacked up. Watch this short video to learn the facts—you’ll quickly see why so many American homeowners are using this valuable tool to improve their retirement finances.

There is no single way to use a reverse mortgage loan. Some use it to pay for medical care, some use it to pay for everyday expenses, and others use it as a safeguard against a bear market. Whatever the case, a reverse mortgage has proven to be a valuable tool that is best used alongside one’s overall retirement plan. How will you put yours to use?

Solutions to access your home equity


How others have used their reverse mortgage loans

Eliminate your monthly mortgage payments*
Use tax-free cash to pay off bill
Cover medical costs and in-home care
Create a rainy-day fund
Access up $4-million in home equity with a jumbo loan
Establish a line of credit for emergencies
Right-size to a new home
Make overdue home repairs
Enhance and protect your investment portfolio
Enjoy greater peace of mind

*As with any mortgage, borrower must stay current with property taxes and homeowner’s insurance, the home and otherwise meet their loan obligations.

Contact Me

Whether you're a senior homeowner wanting to improve your retirement or an industry professional who works with senior homeowners, it would be great to hear from you. Use the form below to request free information, or contact Brad directly by calling (310) 920-7610 or emailing

By providing the requested information and clicking "Submit", I provide my signature expressly consenting to contact from American Advisors Group or its subsidiaries, affiliates, or agents at the number I provided regarding products or services via live, automated or prerecorded telephone call, text message, or email. I understand that my telephone company may impose charges on me for these contacts, and I am not required to enter into this agreement as a condition of purchasing property, goods, or services. I understand that I can revoke this consent at any time. To speak with someone at American Advisors Group, please call 1-800-943-7925.

Grow Your Business With Brad

Today, seniors need more financial help than ever in order to maintain their standard of living and secure a better retirement. With exclusive access to innovative products, the industry’s most qualified professionals, and solutions to build your practice, let me be your competitive advantage as more of the families you serve turn to home equity to help improve their retirement. Together, we can make a positive difference for the millions of Americans entering retirement each year.

Increase longevity and liquidity for the families you serve.

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Open more inventory and gain the competitive advantage.

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Increase closings in your communities and boost buyers’ purchasing power.

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Solutions for funding in-home and long-term care costs.

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Tools and resources to help you understand the process and specifics of a reverse mortgage loan.

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Key Factors That Determine Your Reverse Mortgage Loan Payout

When the idea of the reverse mortgage loan was first conceived in the early 1960’s, people quickly began to recognize that the concept was a brilliant answer to a common challenge.  Many senior homeowners wanted access to their home equity to help fund retirement while remaining in their home—and a reverse mortgage loan could help them do just that. […]

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Can you sell a house with a reverse mortgage?

In the early 1960’s a new type of mortgage loan was designed specifically for senior homeowners who wished to access the equity in their home while aging in place.  This new loan became popular because it fulfilled a need that many borrowers had.  Senior homeowners wanted to stay living in their homes for the rest of their lives, and reverse mortgage loans were the perfect solution to help them do just that. […]

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The Most Common Way to Repay a Reverse Mortgage

When you first begin to learn about a reverse mortgage and its associated advantages, your initial impression may be that the loan product is “too good to be true.”  After all, a key advantage to this loan, designed for homeowners age 62 and older, is that it does not require the borrower to make monthly mortgage payments. Borrowers are responsible for paying property taxes, homeowner’s insurance, and for home maintenance. […]

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The No. 1 HECM lender in the nation, closing more loans than any other lender in the country

A+ Accredited and a Two-Time Torch Awards for Ethics Finalist Southern California

98% customer satisfaction rating from client surveys
As of October 2019

Member of the National Reverse Mortgage Lenders Association (NRMLA)

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