"My wife and I recently had the opportunity to work with Rosemarie Litoff as the Certified Reverse Mortgage Specialist in arranging for a reverse mortgage on our home... First, let me say, that the entire process is much more complex than you would think and requires an expert that truly understands the process. There are many different people that get involved in various aspects of the application process - appraisers, counselors, underwriters, processors, notaries, HUD for insurance purposes and the like. You do not want to attempt this on your own. Rosemarie did an excellent job for us, was very professional and responsible to our needs, and we highly recommend her to anyone who might be interested in investigating and/or getting a reverse mortgage."
John and Susan L., Oceanside, CA
"I would not hesitate to refer any of my clients to Rosemarie if they needed financial tools to help them with funding their needs. Rosemarie is knowledgeable, professional and someone her clients can trust!"
Rebecca P., San Diego, CA
"Rosemarie was wonderful! The Reverse mortgage process was lengthy but Rosemarie explained things so well, it wasn't as daunting as I thought it would be."
Kay M., San Diego, CA
"Rosemarie is extremely knowledgable, patient, and caring toward her customers. While reverse mortgages aren't right for everyone, Rosemarie takes the time to explain in real and very simple terms exactly how everything works to help the customer make the best decision. I refer Rosemarie to my customers regularly, and rest easy, knowing they're in good hands. I give Rosemarie my highest recommendation, and strongly suggest you talk with her if you think there's even a change that a reverse mortgage could be a good idea, or just to get educated on the product."
Adam H., Escondido, CA
"A true professional. A trusted member of the community. Committed to nothing less than excellence. A real people connector. Love her "pay it forward" gift card idea at the holiday time... Definitely a giver! So fortunate to have her in my toolbox for clients who are wanting to age in place in their home and need some financial assistance in doing so."
Caryn L., Carlsbad, CA
"We can not say enough about Rosemarie. We have now worked with her for both refinancing our previous home and purchasing our new home. She is the kindest, most patient, hard-working, knowledgeable, and experienced mortgage broker we have ever worked with. Not to mention, she got us the best rates both times that no other mortgage broker could even come close to. Rosemarie is with you every step of be way from application to closing. She also does a great job of explaining the entire complicated process to you in a way that you can understand. We highly, highly recommend her to anyone considering a refinance, purchase, or reverse mortgage!!!!"
"My mother was facing financial difficulties due to unexpected medical issues. Rosemarie was very compassionate and able to help my mother out with her financial future with the help of a reverse mortgage."
Ron D., San Diego, CA
"Rosemarie is top-tier at what she does. She is patient, educational and totally committed to helping."
Dave L., Rancho Peñasquitos, CA
"Rosemarie recently helped us get a Reverse Mortgage on our home. We knew very little about Reverse Mortgages, but she came to our house and patiently and clearly explained what a Reverse Mortgage was, the benefits obtained, the costs involved, and the process we would have to go through. She answered all our questions and made sure we understood what the whole process consisted of. And she made sure we felt the Reverse Mortgage was what was right for us. The decision was all ours, and there was no pressure on her part.
Once we agreed to go ahead, she held our hand through all the steps, letting us know what we needed to do throughout the process. She made sure the paperwork was correct, including the fees we would be paying. She was extremely helpful and stayed in contact with us constantly to keep us informed as to the progress of the loan.
Rosemarie is an expert as to Reverse Mortgages and very easy to work with. Now that we have the Reverse Mortgage, and not making mortgage payments, a great weight has been lifted off our shoulders. Prior to this, we were draining our savings and had to watch our spending very closely. Now we could do things we hesitated doing before, and our lifestyle has greatly improved.
We recommend calling Rosemarie if you want to know more about Reverse Mortgages and finding out if it is right for you.
Very Satisfied Customers."
Fran & Bob, Oceanside, CA
"Rosemarie did a great job for me with a reverse mortgage. She followed through on the details, and accurately predicted costs. She also kept me informed of the progress, explained all the endless paperwork, and even showed up when I signed the loan papers. Very professional all the way!"
Irene T., San Diego, CA
"I've never seen a lender who is so caring and passionate about what she does than Rosemarie. Anyone who works with Rosemarie is very blessed. You will get great services, a great product and probably a new best friend."
Jenny H., San Diego, CA
Mike W., San Marcos, CA
"Rosemarie takes GREAT CARE of my clients! I love knowing that future referrals will be treated with such great care!"
Tracie M., Attorney, San Diego, CA
"I called Rosemarie to help a senior friend with a Reverse Mortgage because of her 5 star Yelp reviews and I'm happy to say that after working and completing the transaction with her, that she well deserves her 5 star rating. She is a great communicator in explaining these complicated transactions that involve FHA and bank rules. She also fought hard to resolve any issues that we faced completing the process. Most of all I very much appreciated her keeping all of her promises to us. We had several phone & personal meetings and she was right on time for all of them. She always did whatever she told us she would do and she was always a pleasure to work with. I highly recommend her."
Bob M., Escondido, CA
“Thanks Rosemarie for everything!!! Nobody could have gotten it done so quickly.”
Lisa G., Porter Ranch, CA
“I was referred to Rosemarie two years ago by a friend of mine because she said Rosemarie could handle my special refinance. Rosemarie not only was able to complete my refinance, she was in my corner on every issue we had. (and there were several!) She has since done another refinance and lowered my interest rate again. Rosemarie will go to bat for you and make sure that she can do everything she can to make your loan process a successful one.”
Sharon May, La Mesa, CA
“I appreciate you doing a great job for your borrower, it makes my job easy! Thanks!”
Brian Williams, Owner/Broker of Record Professionals Realty Group North County and Executive Funding Group
“Thanks for absolutely everything. You worked hard for me.”
Don Heron, Moorpark, CA
“I am a real estate attorney, and many of my senior clients have financial issues. I have referred Rosemarie to my clients because she is a very experience mortgage consultant and she is an expert on reverse mortgages. She understands that reverse mortgages are not for everyone, and she will always involve the adult children in exploring these issues. She is all about education and making sure it works for the family.”
“The company I work for passed along a referral to Rosemarie and she took excellent care of them. Highly recommended!”
“Not only is Rosemarie extremely knowledgeable about her products, she is compassionate, sincere, and caring. She is geniunely interested in helping others... She could be trusted with anything.”
Lauren A., San Diego, CA
"I trust Rosemarie completely. She is high integrity and guides her clients based on their needs--not hers. She is the only mortgage broker that I refer people to in San Diego. She's handled all of my refi's--great work!"
Jennifer R., San Diego, CA
"I have had the pleasure of getting to know Rosemarie for about six months. She is a wealth of information and is an expert on Reverse Mortgage. What's even more wonderful about being connected to Rosemarie is she takes a special interest in everyone she meets.. so not only is she filled with information from her many years in business but she is a great person to have in your world as one of your connections. Don't miss a chance to meet her.. things get better when you do."
Andrea L., San Diego, CA
"Rosemarie has provided me with a wealth of knowledge in her field. She has explained reverse mortgages in a way that simplifies a very confusing and convoluted industry. I strongly recommend her and her services."
Alex C., Escondido, CA
The company I work for passed along a referral to Rosemarie and she took excellent care of them. Highly recommended!
Emily B., San Diego, CA
"I have gotten to know Rosemarie professionally over the past year. She is an excellent and highly experienced mortgage consultant! As an estate planning attorney, I only make referrals to professionals I can trust completely. Rosemarie has a wealth of knowledge to offer and is constantly educating her clients about their options. She also sends regular newsletters about various tools that are available to them. She is very personable, and is the kind of person that truly cares for her clients' needs. I feel very confident in strongly recommending Rosemarie to anyone who is looking for mortgage advice, and in particular, a reverse mortgage. She is extremely professional, knowledgeable, and just a pleasure to communicate with!"
Shima K., Pasadena, CA