Reverse Mortgage Company in San Clemente
Meet Keith Murphy
Keith Murphy
Reverse Mortgage Pro
NMLS #4879 | DRE #01222489
(949) 625-9790
San Clemente 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 San Clemente have risen more than 16 percent over the last two years reaching an average of $1,661,187* (https://www.zillow.com/san-clemente-ca-92672/home-values/).
San Clemente residents are turning to reverse mortgages in droves.
Some 2,211 of them have one with 111 signing up for one of these amazing mortgages in the last 12 months alone*.
About San Clemente, California
Sebastian explorer Sebastian Vizcaino is credited with naming San Clemente Island in 1602 after Saint Clement (Pope Clement I).
The city was founded in 1925 by the former mayor of Seattle Ole Hanson with the intention of creating a “Spanish village by the sea”.
He envisioned a seaside retreat for those who wanted to escape the hustle and bustle of Los Angeles and longed for fresh air, pristine beaches and mountain views.
Lying midway between Los Angeles and San Diego, San Clemente is the southernmost city in Orange County.
It is renowned for its Spanish colonial-style architecture as well as its surf coast.
Trestles is one of the west coast’s most famous surf beaches and is mentioned in the equally famous Beach Boys song “Surfin’ USA”.
The city rose to prominence in 1969 when President Richard Nixon purchased a summer holiday house in San Clemente. He would later call it the “Western White House”.
Visitors love walking the San Clemente Pier which offers a great place to dine, fish or simply watch the sun set.
The spectacular San Clemente Beach Trail runs for 2.3 miles connecting North Beach with Calafia Beach.
Contact your San Clemente 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 June 2025
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