Reverse Mortgage Company in Dana Point
Meet Keith Murphy
Keith Murphy
Reverse Mortgage Pro
NMLS #4879 | DRE #01222489
(949) 625-9790
Dana Point California Reverse Mortgage Broker
Keith Murphy and Payless Reverse Mortgage are the local experts you can trust when you are curious about a reverse mortgage, whether you’re in Laguna Beach, Newport Beach, Dana Point or anywhere along the South Coast.
Keith has worked in the mortgage industry for more than 20 years, specializing in reverse mortgages.
In recent times, Keith has shifted the focus of his nationally-recognized company to a local California model in an effort to make a more positive impact on his community.
Keith says the work he has done with veterans has been particularly rewarding and he has appreciated the opportunity to represent such an important part of California.
Education is something Keith values a great deal.
He earned a degree in Business Administration from the University of Massachusetts, complemented by his significant and ongoing education in the financial services and loan industries.
When he is not at his desk, you can find Keith with his wife and three kids on the Jeep trails with his rescue dog Brady.
But when he’s back at the office, you will learn Keith does have his idiosyncrasies.
He changes into crocs when he arrives at work – he calls them his ‘office slippers’.
He sure gets teased about that!
What is a reverse mortgage?
A reverse mortgage is an extremely powerful loan product that helps put homeowners back in the financial driver’s seat.
It does this by allowing them to access the equity they have already built in their own home in the form of a brand new income stream.
It is available to anyone 62 years or older and gives them the opportunity to remain in their home rather than face the unpalatable thought of having to sell it, just to make ends meet.
Homeowners can be paid in many different ways including weekly or monthly payments, a line of credit, a lump sum or even a combination of all three.
The real beauty of a reverse mortgage is that as long as the terms of the loan are met, there is no need to repay it until either the homeowner sells the residence or the last surviving borrower passes away.
It means retirees can stop counting every penny and start thinking about ways to spend them.
Start living the high life with that long-planned vacation, dinners and shows and spoiling your beloved family – they are all possible with a reverse mortgage.
Housing prices in Dana Point have risen 2.8 percent over the last year reaching an average of $1,662,381* (https://www.zillow.com/home-values/17686/dana-point-ca/).
Dana Point residents are turning to reverse mortgages in droves as 1,969 of them have one with 109 signing up for one of these amazing mortgages in the last 12 months alone*.
About Dana Point, California
Dana Point, California, is a breathtaking coastal gem nestled along the southern shores of Orange County. Known for its picturesque harbor, laid-back beach town charm, and stunning ocean views, Dana Point delivers the best of Southern California living. Whether you're captivated by whale watching, hunting for tide pools, or simply embracing coastal serenity, Dana Point offers an idyllic seaside escape.
At the heart of the community lies Dana Point Harbor, a lively harborside destination brimming with waterfront restaurants, quaint boutiques, and scenic walking paths. It’s a favorite spot for families, strollers, and fishermen alike. Nearby, the iconic Headlands Trail winds along towering cliffs and offers awe-inspiring views of the Pacific—perfect for a peaceful hike or a memorable sunset stroll. For boaters and marine enthusiasts, the harbor provides easy coastal access, kayaking adventures, and whale-watching cruises that showcase migrating gray whales during the winter and spring months.
Beyond its natural allure, Dana Point balances charm with convenience. Its historic core—Old Towne Dana Point—is dotted with locally owned shops, casual eateries, and charming architecture that captures California's coastal heritage. The city’s beaches are perfect for sunbathing, surfing, or evening fireside relaxation, while seasonal events like the Festival of Whales and artisanal markets foster a strong community spirit that brings neighbors together under the sun and sea breeze.
As a reverse mortgage loan officer serving Dana Point, I help homeowners access their home equity to create a more secure, relaxing, and rewarding retirement lifestyle. Whether you're considering leveraging home equity for travel, healthcare, or simply greater financial breathing room, I provide personalized guidance every step of the way. In a coastal community as beautiful and serene as Dana Point, your home can be both your haven and your key to financial flexibility.
Contact your Dana Point reverse mortgage lender today.
Keith and his Payless Reverse Mortgage team are on hand to help you with all of your questions about reverse mortgages.
If you think Keith can be of assistance, please call him today on (949) 625-9790 for an obligation-free assessment of your position.
*As of September 2025
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