Reverse Mortgage Company in San Juan Capistrano
Meet Keith Murphy
Keith Murphy
Reverse Mortgage Pro
NMLS #4879 | DRE #01222489
(949) 625-9790
San Juan Capistrano, 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 Juan Capistrano have risen about 1.4 percent over the last year, reaching an average of $1,292,445* (https://www.zillow.com/home-values/33840/san-juan-capistrano-ca/).
San Juan Capistrano residents are turning to reverse mortgages in droves.
Some 1,969 of them have one with 109 signing up for one of these amazing mortgages in the last 12 months alone*.
About San Juan Capistrano, California
San Juan Capistrano, California is a historic and beautiful town in Orange County, beloved for its Spanish mission heritage, charming downtown, and warm community atmosphere. Tucked between the hills and not far from the Pacific coastline, it offers a relaxed lifestyle that still feels close to both nature and culture.
The city’s crown jewel is Mission San Juan Capistrano, founded in 1776. With its stunning gardens, historic chapel (including the oldest standing church building in California), and centuries-old adobe structures, the Mission is a symbol of the region’s Spanish and Native American roots. In March, the annual return of the cliff swallows draws locals and visitors alike in celebration—a tradition that brings the town together in a one-of-a-kind way.
Downtown San Juan Capistrano, especially the Los Ríos Historic District, is a walkable delight. Narrow streets lined with oak trees, quaint cottages, eclectic boutiques, and cozy cafés create an atmosphere that invites strolls and relaxation. Historical homes and landmarks like the Los Ríos area and the Forster Mansion add architectural charm, while the local train station connects the town to greater Southern California, making travel easy and picturesque.
Outdoor and family-friendly amenities also shine here. Zoomars Petting Zoo offers fun for kids, with pony rides, petting animals, and hands-on animal interaction. For those who love nature, the San Juan Creek Trail, nearby beaches, and lush parks give plenty of space to hike, bike, or just enjoy fresh coastal air.
As a reverse mortgage loan officer serving San Juan Capistrano, I help homeowners leverage their home equity in ways that support their retirement goals while staying rooted in this lovely community. Whether you’re looking to reduce housing costs, free up funds for travel or healthcare, or simply gain greater peace of mind, I provide clear, personalized options so you can enjoy your golden years surrounded by the history, beauty, and tranquility you cherish.
Contact your San Juan Capistrano 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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