“Buying a home and completing all the paperwork can be daunting and stressful. Because we worked with Jerry Garcia, he helped us manage the process every step of the way. He was proactive, available, and responsive. Jerry was so helpful and customer-focused that he actually made the experience an enjoyable one. We highly recommend Jerry Garcia.”
Jerry Garcia
Reverse Mortgage Specialist
NMLS #994639|Colorado License #100041939
Why I Focus on Reverse Mortgages
After years in the mortgage industry, I kept running into the same story: retirees who were house-rich and cash-poor, stressed about making ends meet, and convinced they had no good options. When I dug into reverse mortgages — the FHA-insured HECM in particular — I realized they were one of the most misunderstood and underutilized tools in retirement planning.
The myths were everywhere: “The bank takes your house.” “Your heirs get nothing.” “It's a last resort.” What I found instead was a regulated product with strong consumer protections, mandatory counseling, and flexibility that could help people stay in their homes, eliminate monthly mortgage payments, and even grow a line of credit they might not need for years.
I made it my mission to educate homeowners and professionals about how reverse mortgages really work — the costs, the safeguards, and when they do and don't make sense. My job isn't to sell you a loan; it's to give you clear information so you can decide what's right for you.
My Approach
Education over sales. Transparency over pressure.
Education first
I explain how HECMs work, what they cost, and how they fit (or don't) with your goals. No jargon, no rush.
Full transparency
You'll see the numbers and the tradeoffs. I'll tell you when a reverse mortgage isn't the right fit.
No-pressure consultations
A conversation with me is just that — a conversation. You're never obligated to move forward.
Ongoing support
Questions don't end at closing. I'm here to help you understand your loan and your options over time.
Credentials & Company
I am a licensed Mortgage Loan Originator (NMLS #994639) and hold a Colorado license (#100041939). I work with Edge Home Finance Corporation (NMLS #891464), an FHA-approved lender. My focus is exclusively on reverse mortgages — HECMs — so I can give you accurate, up-to-date information and a straightforward process.
In addition to reverse mortgages, Jerry helps clients with conventional, VA, FHA, Non-QM, and DSCR loans. Visit jerryknowsloans.com (coming soon) for more information on forward mortgage options.
Edge Home Finance Corporation provides the compliance, operations, and support behind every loan. You work directly with me for education, application, and closing; the company ensures every step meets regulatory and quality standards.
What Clients Say About Jerry
Real reviews from homeowners who worked with Jerry.
“Jerry was able to explain the complexities of purchasing my first home with patience. I really appreciated his availability and willingness to walk me through the details. This made my first home purchase much less stressful.”
“I was pleasantly surprised by my experience working with Jerry Garcia. The mortgage process can be daunting, but Jerry did a great job of finding my best option and making the process really easy. I would highly recommend Jerry Garcia to any of my friends or family.”
“Quickest closing I have ever been a part of. All information was delivered accurate and in a timely fashion. Jerry is the man and I will definitely use him again.”
Ready to Have an Honest Conversation About Your Options?
No pressure, no obligation. Let's talk about your situation and whether a reverse mortgage might fit.