Why C2 Financial?
As one of the nation's premier mortgage brokers, C2 Financial is proud to provide access to an extensive portfolio of superior loan products, competitive rates, and exceptional service. Trusted by over 115,000 families, C2 Financial continues to be a leading choice for mortgage financing solutions.
About Me
My mortgage career began in 2001. By 2010, I had narrowed my entire practice to reverse mortgages — primarily HECMs, the federally insured product backed by FHA and HUD, along with proprietary (jumbo) reverse mortgages when a HECM isn't the right fit.
That focus matters. The attorneys and financial planners who refer clients to me aren't looking for someone who dabbles. They need a specialist they can trust to handle complex situations — conservatorships, Medi-Cal planning, gray divorce, probate — with competence and care.
I'm a Certified Reverse Mortgage Professional (CRMP), a designation awarded by the National Reverse Mortgage Lenders Association and held by fewer than 500 professionals nationally. I also serve on NRMLA's Education Committee and founded the CRMS™ designation for reverse mortgage strategists.
What I Help With:
Gray Divorce — Protecting financial futures during late-life divorce using home equity strategies and HECM for Purchase
Aging in Place — Funding in-home care so clients can remain independent without drawing down investment accounts
Medi-Cal Planning — Coordinating HECM line of credit strategies with Medi-Cal eligibility, alongside the client's elder law attorney
Conservatorship — Navigating reverse mortgage origination for conservatees, including court authorization and capacity requirements
Retirement Income Planning — Coordinating with CFPs on buffer asset strategies, sequence-of-returns risk, and Social Security timing
Eliminating Mortgage Payments — Paying off an existing mortgage to free up monthly cash flow (borrowers still pay property taxes, insurance and upkeep)
Higher-Value Homes — Proprietary jumbo reverse mortgages for homes above the 2026 HECM limit of $1,249,125
Why Work With a Specialist:
Clear, honest education — no jargon, no fear tactics
Personalized financial analysis for each situation
Collaboration with your existing advisors and attorneys
No-pressure consultations — all questions welcome
Deep knowledge of California Medi-Cal, probate, and conservatorship
Transparent guidance on both benefits and limitations
Author
With Kimberly Buckley, I co-authored Reverse Mortgages for Women, by Women, the Reverse Mortgage for Purchase Guidebook, and A Legal Guardian's Guide to Reverse Mortgages. All are available on Amazon.
Free Resources
WikiReverseMortgage.com — plain-English answers to common reverse mortgage questions
FreeHECMCalculator.com — estimate what you could qualify for, no personal information required
FindAReverseMortgageBroker.com — for CPAs, financial planners, estate attorneys and fiduciaries
Let's have the conversation.
Phone/Text: 619-244-7492
Email: ReneeK@C2financial.com
Serving San Diego County, Southern California & Washington State
Renee Konstantine, CRMP | Associate Broker | NMLS #1360025 | CA DRE #01343046 | C2 Financial Corporation, NMLS #135622 | Licensed in CA & WA. This page is for informational purposes only and does not constitute financial or legal advice. Not a commitment to lend.
