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Cheryl McCarthy

Reverse Mortgage Advisor NMLS# 662082

1800 Tice Valley Blvd. Suite A
Walnut Creek, CA 94595

About Me

Cheryl McCarthy
Reverse Mortgage Advisor | NMLS# 662082 | 1-510-507-5616

Areas of Expertise

  • Reverse Mortgages
  • JUMBO Reverse Mortgages
  • Reverse Mortgage Refinances
  • Proprietary Reverse Mortgages
  • The HECM Program
  • Realtor Education & Business growth
  • The HECM for Purchase Program
  • HECM to HECM Refinances
  • Financial Advisor Education & Business Growth

Cheryl McCarthy is the Alameda Reverse Mortgage specialist and speaker. She assists homeowners in the greater San Francisco Bay Area, ages 62 years and older, enhance their retirement by helping them select the right Home Equity Conversion Mortgage (HECM) program to meet their specific needs.

With her “no-pressure” educational approach, she is experienced in helping her clients find the right solution. Her goal is to help clients achieve the retirement of their dreams.

She is a trusted resource in banking and finance, serving clients and finance professionals in Alameda and the Bay Area for over 25 years. She works extensively with Attorneys, Mortgage Consultants, Financial Planners, Bankers, Senior Services Providers and Realtors, helping them to assist their clients with their retirement needs.

Common Examples of What a HECM Can Help You Do

  • Purchase a new home to fit your lifestyle needs
  • Protect your retirement portfolio
  • Reduce monthly expenses by paying off existing mortgage
  • Reduce monthly expenses by paying debt
  • Enhance your cash flow
  • Incorporate housing wealth into your retirement plan
  • Create an emergency fund
  • Increase cash to help ensure monthly bills are paid
  • Fund for home repairs or upgrades
  • Reduce the burden of out-of-pocket healthcare costs
  • Fund the expense for caregivers, live-in nurses, or other in-home care
  • Have the cash for a large expense, such as a vacation or vehicle


“You don’t know how wonderful it was to look at my on-line bank account and see the $300,000 GONE! I can’t thank you enough for all your wonderful assistance in getting me financially secure! Thanks again.”


“Thank you Cheryl for your time and your service for my family.”

-Mr. & Mrs. C.

“Thank you for helping my parents refinance their Reverse Mortgage. You helped them make much needed repairs on their home as well as getting additional money.”

-Rich M.

“I was impressed with the home equity strategies that were explained to me. It made a lot of sense and I couldn’t be happier with the result. I was able to retire 4 years earlier than I expected!”

-John G.

“I will enjoy the wonderful feeling of knowing I am secure.  Thank you for the card, I just want to find you many clients. You have a recommendation from someone here, me!”


“I have wiped out 5 credit cards, and I am paying for repairs to the house as needed with a check.  It is a really wonderful feeling.  You gave me back my sense of security and that is the best gift I could have gotten.”


“This is Cheryl – focused, responsive, respectful, intuitive, smart, quick, down-to-earth, has clarity and has a great sense of humor. She is able to distill the elements of a complicated situation down to its essential pieces. She knows reverse mortgages inside out. I am forever in her debt and give her the highest recommendation possible.”


“A huge thank you for everything - your expert advice, for having such certainty about the benefits of this loan product, for supporting me through the challenges.  I will recommend you to everyone!!!”


“Very thorough, super knowledgeable, very friendly, and courteous. Answered all our questions and explained everything so well. A great lady!!”


“Doing well financially since the reverse mortgage. I count my blessings every day and you are one of them. Such a joy not to have to count every penny but be able to save a few. Very grateful.”


“Cheryl is a great ally to have maneuvering through the mortgage maze. She consistently showed me ways to make the maximum benefit of the options available to me. This is why I came back to her a second time. I TRUST HER. She is honest, thoughtful, courteous and kind. ”


See what our customers are saying

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