Welcome to my website!

I am your premier reverse mortgage expert located in Oro Valley, Arizona. I am committed to quality customer service and putting the needs of the people it serves first. I will always adhere to the highest degree of integrity in all business dealings.


Steve Kaye

Certified Reverse One Mortgage Specialist

Reverse mortgage lending is a specialty niche that requires and combines experience, knowledge, education, and a commitment to the product and. most importantly, to the senior community it serves: those homeowners over the age of 55. It is far from a "last chance" type of loan, as it can help those in need of a better solution as well as the high-value clients looking to maximize their options.

So, why did I decide to become a reverse Mortgage specialist? As a "newer" member of that community, I've taken a greater interest in reverse mortgage programs and am excited by the advancements and positive changes that have taken place over the years, and the advantages and options - and, most importantly, benefits - this program brings. It is truly a life enhancing and life-changing program, and one that I am excited to be able to offer and specialize in.

I have helped people remain in their homes when they thought they were going to have to sell and leave and I have experienced their tears of gratitude. I can tell you firsthand, there is nothing more rewarding than to help improve, often substantially, the quality of life of so many, while also easing the concerns and burdens of their families. It is incredibly rewarding.

Why Choose Me?

My Experience

I have over 25 years of mortgage lending experience, specializing in VA and Reverse Mortgage financing, allowing me to find a solution to most loan situations - even when others have failed.

I'm Local

I am proud to serve the Oro Valley area, as well as all properties in Arizona and California. Whether you're looking to move here or move up, I am here to help.

My Values

I pride myself on my honesty, integrity, perseverance, and commitment to open and consistent communication when it comes to meeting the needs of my clients, and I greatly value the lasting relationships I've enjoyed over the years.


"Steve was great from start to finish. Answered all questions & concerns on our loan. Went beyond the call of duty and I would highly recommend!"

Kevin B.

Temecula, CA

Thanks so much for all your help. We really appreciate your communication and staying on top of every step, which I know is a lot of work. I will definitely keep you in mind for referrals

Tom B.

San Diego, CA

It was a pleasure working with you and thank you very much for all your work in getting our loan processed in such a short amount of time. I was very impressed with the open communication and continuous updates along with realistic time frames you provided. I will definitely recommend you to my friends and co-workers.

Mike S.

San Diego, CA

"Words can't really express how grateful I am, but I'll try. Thank you for your compassion, sensitivity, guidance, discretion, knowledge, and experience. I am so glad i reached out to you when this task began. Thank you from the bottom of my heart."

Peggy B.

Sherman Oaks, CA

Get Your Reverse Mortgage Quote

A reverse mortgage is a loan available to seniors over the age of 55 which allows them to convert equity in their home into cash. Simply fill out this quick form and see if a Reverse Mortgage is right for you.

*All information is confidential and not sold or shared*

Example of a Reverse Mortgage Scenario

John is a widower who lives at home alone.

He would like to keep his home, but is having trouble making payments and meeting expenses. His monthly mortgage payment is $611. Even with both Social Security income and pension, he is still short by $187 per month…