From your first home to unlocking the equity you have built — Louis Pacheco delivers straightforward mortgage solutions in California and Florida.
Apply Now
Louis Pacheco brings expertise and a personal touch to every mortgage transaction. As Branch Manager at Lending Power LLC, Louis specializes in helping homeowners and buyers navigate their financing options — from first-time home purchases to reverse mortgages that help seniors unlock the equity in their homes.
Begin your application in minutes. Louis will guide you through every step.
Apply Now ›A reverse mortgage lets eligible homeowners 62 and older convert part of their home equity into cash — with no monthly mortgage payment required. Borrowers remain responsible for property taxes, homeowners insurance, and home maintenance. Loan proceeds are not considered taxable income; consult your tax advisor. You retain title to your home while the loan is outstanding.
Eliminate your current mortgage payment and improve monthly cash flow. Loan is repaid when you sell, move, or pass away.
You retain title to your home. As long as you maintain the home as your primary residence and pay property taxes and insurance, you can stay as long as you like.
Receive funds as lump sum, monthly payments, line of credit, or any combination that works for your situation.
HECMs are insured by FHA and require independent HUD-approved counseling to protect borrowers. A reverse mortgage is an FHA-insured loan, not a government grant or benefit.
HUD-approved counseling is required before obtaining a reverse mortgage. Ask Louis about connecting you with a HUD-approved counselor at no cost.
Get My Reverse Mortgage Quote ›HECM loans for homeowners 62+ to access equity with no monthly payments required.
FHA, Conventional, VA, USDA and Jumbo loans. First-time buyer programs with low down payment options.
Rate/term and cash-out refinance options to lower your payment or access your home equity.
Home equity lines of credit and cash-out solutions to fund renovations, investments, or financial goals.
Licensed to originate loans in two of the most dynamic real estate markets in the nation.