Karen Rayfield

Sr. Loan Officer | Home Equity Retirement Specialist NMLS# 202268

3131 Camino Del Rio N Suite 190
San Diego, CA 92108

About Me

Karen Rayfield
Sr. Loan Officer | Home Equity Retirement Specialist | NMLS# 202268 | 1-757-287-3331

After earning a degree in Business Finance from Old Dominion University, Karen began a career in commercial real estate, spending nearly 20 years in the industry. In 2005, she made the decision to try something new and entered the mortgage lending arena focusing her efforts exclusively on the FHA Reverse Mortgage/HECM channel.

Nationally recognized, Karen is one of 105 loan officers who holds her industry’s top honor, the Certified Reverse Mortgage Professional (CRMP) designation. This highly coveted achievement was awarded by the National Reverse Mortgage Lender’s Association, signifying a level of expertise, integrity and professionalism.

Karen has a way of explaining the HECM program which puts the client at ease. Her approachable manner allows the client to be an active participant every step of the way. Karen listens intently, educates thoroughly and acts quickly on her clients behalf.

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


“Karen Rayfield is a superb professional and went above and beyond normal actions to ensure my HECM for Purchase was smooth and closed on time.”

-Patricia Garrett

“I want to thank you for your outstanding professionalism in arranging our HECM for Purchase. As you know, I like EASY and EASY is what you delivered. Given the short time, our mortgage would not have been achievable if it wasn't for your excellent guidance and knowledge of the process. You are a true credit to your profession. This has been an excellent experience and we couldn't be more satisfied.”

-Joe Burns

“I never hesitate to refer my clients and customers to Karen. She is the best in the business for the HECM for Purchase. She is gifted in presenting the program, and takes the time to explain and answer all questions. I am a real estate professional and appreciate having someone so knowledgeable and trustworthy on the team, keeping the transaction stress-free!”

-Cindy Godsell, Realtor

“I would not hesitate to refer Karen Rayfield to my friends and colleagues. Her knowledge and expertise put her above the rest. Because of her hard work and perseverance, we are now in our home, so pleased that we made the decision to work with Karen. Peace of mind and money in our pocket...it doesn't get any better than that. Karen gave us both.”

-Pam and Gary Southard

“As a small business owner for the past 32 years I know how important word of mouth advertising is. My wife and I are very appreciative of the time and effort you put into getting us a reverse mortgage. After 3 failed attempts by other companies, you had a never say no attitude and took over our reverse loan and made it happen. We are very grateful. Thanks for making life considerably easier for us.”

-Ed Battelle

“Karen's knowledge and personalized service is what makes her stand out as a HECM expert. She explains the process in a way that is very informative and understandable. After speaking with Karen, my clients walk away knowing that they really can afford the home of their dreams. I highly recommend her.”

-Jackie Malcolm, Realtor

“Karen consistently guided us throughout the entire process making our purchasing of our new home most enjoyable. She is enthusiastic and stays informed of the changes or new guidelines within the program. We strongly recommend you attend one of her informative and valuable question/answer seminars. She has years of experience with HECM and knows what is required. This is Karen's forte and expertise.”

-Butch C.

“It was great the way she helped. I appreciate the way Karen handled my request for a reverse mortgage. Everything went very smooth. I would recommend other people in doing a reverse mortgage through Karen.”

-Bill Gibson

“Karen has a knack for explaining everything about the reverse mortgage program. She patiently answered all our questions and when we didn't quite understand something, she would find another way to present it so that we understood. I felt like she became a good friend during the process to get our reverse mortgage. Thank you, Karen! ”

-Jack Sawyer

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