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Richard Neal

Reverse Mortgage Specialist

5 Parkcenter Dr #100, Sacramento, CA 95825
Own what matters

About Me

With more than 30 years of experience with high performing teams, my leadership and management roles give me the unique understanding and ability to find the best reverse mortgage loan financing options to fit your needs. 

I believe that integrity, communication, efficiency, and speed gives me the ability to develop the best financial program for each client. It is my goal to provide objective advice and superior customer service to all clients.  These high ethical and professional standards make me a solid choice for you when selecting a reverse mortgage consultant.  

For Consumers, if you’re one of the tens of millions of people who don’t feel financially prepared for retirement—relax. You’re not alone. I am here to help. Retirement is complex and thinking holistically is important. So why not consider one of your largest assets in your total retirement picture?  A reverse mortgage puts your hard-earned equity to work so you can plan to maintain or elevate your lifestyle during retirement. 

For Financial Advisors, a reverse mortgage provides a potentially inexpensive, easy to-qualify, tax-free, liquid cash reserve for various uses including payments for borrowers and help to increase cash flow, delay drawing Social Security payments and/or pension payouts, plus buffer spending of investments in a down market. 

For Realtors, reverse mortgages can expand your market and grow your sales.  Whether buyers are looking to upsize, downsize, or “right-size,” financing a home with a reverse mortgage can make it easier and more affordable. This innovative mortgage option can open a huge new market of buyers 62 and older, allowing them to purchase a primary residence that suits their ideal lifestyle—without having monthly mortgage payments. 

Reverse Mortgages (FTC) 

Home Equity Conversion Mortgages for Seniors (HUD)

What is a reverse Mortgage?


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The perfect home loan for you

We offer hundreds of loan products for a wide variety of borrowers, including first-time homebuyers, military families and rural residents. We also offer many state, county, and city housing programs that provide down payment assistance. At Guild, we’ll work hard to deliver what matters most to you and find the loan that fits your life.

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NMLS ID #1887930
I am authorized to do business in the states of California, Nevada and Utah. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.; NV Mortgage Company #1141;