Built for California homeowners. Clear answers. No pressure.
Your home equity could give you more options in retirement.
Golden Roof Equity helps California homeowners 62+ understand how to use the equity they've built — from reverse mortgages and home-equity options to strategies for retirement income, care, home improvements and aging in place.
Reverse mortgages are a major focus, but they're not the right answer for everyone. We help you understand your options, compare the tradeoffs and decide what may fit your situation.
Quick estimate
How much equity could you access?
Four questions. No credit pull. Two minutes.
- Your age & co-borrower
- Estimated home value
- Current mortgage balance
- ZIP code
Start with your situation
What brings you here?
You don't need to know which product you need. Start with what's happening in your life.
Access your home equity
The main ways to use what you've built
Your home may be your largest asset. There are several ways to turn that equity into cash or income — each with different payments, costs, and trade-offs.
Reverse mortgage
Borrow against equity with no required monthly mortgage payment (62+).
HELOC or home equity loan
Borrow a line or lump sum, repaid with monthly payments.
Cash-out refinance
Replace your mortgage with a larger one and take the difference.
Downsize or sell
Move to unlock equity and lower ongoing housing costs.
Our specialty
Reverse mortgages, explained clearly
Reverse mortgages are one of our core areas of expertise. Here's what matters most.
Not right for everyone
A reverse mortgage may not fit if you plan to move within a few years, want to leave the home debt-free, or are already struggling with taxes and insurance. Compare alternatives before deciding.
Calculators & tools
Free, private estimates — no email required to see your numbers.
- Reverse Mortgage Proceeds EstimatorSee roughly how much you may access.
- Home Equity Access OptionsCompare the main ways to tap equity.
- Retirement Cash-Flow GapFind any monthly income shortfall.
- Stay vs. SellWeigh the costs of staying against moving.
California
Home Equity & Reverse Mortgage Guidance for California Homeowners
California homeowners may have substantial wealth tied up in their homes while still facing retirement income, care, housing or other financial needs. Golden Roof Equity helps homeowners and their families understand the available options and the tradeoffs involved.
How we work
Education you can trust
Educational methodology
Every option is explained with the same criteria — costs, payments, risks, and fit.
Authoritative sources
Grounded in HUD, FHA, CFPB and other primary sources.
Consumer-first
We explain trade-offs plainly, including when a reverse mortgage isn't the answer.
Reviewed & updated
Content is reviewed and refreshed when rules or limits change.
Curious whether home equity could help?
Answer a few quick questions to see if you may qualify. No credit pull, no obligation — and no pressure.