Reverse Mortgage Company in Mission Viejo
Meet Keith Murphy
Keith Murphy
Reverse Mortgage Pro
NMLS #4879 | DRE #01222489
(949) 625-9790
Mission Viejo, 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 exclusive Mission Viejo have dropped slightly by 1.7 percent over the last 12 months reaching an average of $1,183,757* (https://www.zillow.com/home-values/12773/mission-viejo-ca/).
Mission Viejo residents are turning to reverse mortgages in droves.
Some 2,614 of them have one with 146 signing up for one of these amazing mortgages in the last 12 months alone*.
About Mission Viejo, California
Mission Viejo, California is a beautifully planned suburban city located in South Orange County, nestled within the scenic Saddleback Valley. Known for its lush tree-lined neighborhoods and strong community values, Mission Viejo offers residents a peaceful, family-friendly lifestyle with convenient access to beaches, trails, and suburban amenities.
One of the city’s standout features is Lake Mission Viejo—a one-mile long private lake offering two beaches, boating, swimming, lakeside dining, and seasonal concerts. Nature lovers also enjoy miles of trails through Oso Creek and Wilderness Glen, perfect for walking, biking, or simply soaking in the outdoors. With more than 40 parks around the city and excellent schools, Mission Viejo is designed for life at a relaxed pace.
Shopping and dining are centered around The Shops at Mission Viejo, an indoor mall with more than 150 stores and restaurants, while local plazas and recreation centers host community events, summer movie nights, and holiday gatherings. The city’s master-planned roots mean established neighborhoods, clean streets, and a strong sense of belonging for residents at all stages of life.
As a reverse mortgage loan officer serving Mission Viejo, I help homeowners in this welcoming community unlock their home equity and pursue a financially secure and flexible retirement. Whether you’re looking to reduce housing costs, fund travel or health expenses, or simply enjoy more peace of mind, I provide tailored support every step of the way. In a city as comfortable, connected, and community-oriented as Mission Viejo, your home can be a key to a rewarding next chapter.
Contact your Mission Viejo 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 November 2025
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