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Martha Echols

Reverse Mortgage Advisor
President's Club

NMLS# 471830


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

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About Me

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Martha Echols is a well-known local expert and speaker on reverse mortgages in Walnut Creek, California. Her no-pressure, educational approach helps homeowners (62+) enjoy financial security and peace of mind by providing suitable and superior retirement income solutions through various reverse mortgage programs. Martha’s goal is to help people 62+ live more comfortably now and be better prepared for the future.

Martha has specialized in the HECM for Purchase program since it became available in 2009. Through the years, she’s helped many families finance a home they can comfortably afford.

Martha’s goal is to help her clients create the retirement they imagined! By prioritizing education over sales, she enables her clients to make informed and empowered decisions about whether a reverse mortgage is the most sensible tool for achieving their future goals.

Working With Martha and Mutual of Omaha Reverse Mortgage

Martha works with homeowners and homebuyers all over California. Her Mutual of Omaha Reverse Mortgage office is located at 1800 Tice Valley Blvd., Suite, A, Walnut Creek, California, just outside the gates of Rossmoor Walnut Creek.

Rossmoor offers a variety of home ownership options at a range of prices in an ideal environment for active adults 55+. Co-ops, condos, single-family homes, and congregate living are spread out over 1,800 acres.

Martha’s financial services career began more than 30 years ago with Citibank. In 2004, Martha’s passion for working with seniors led her to change careers when she became a Reverse Mortgage Consultant.

Martha’s success as a reverse mortgage specialist is due in large part to her partnerships and educational training she provides for real estate professionals, financial planners, and attorneys. Her ethics, professionalism and commitment to the client, makes it easy for professionals to refer their loyal clients to Martha. She’s also qualified to provide training to realtors and financial planners for C. E. Credit.

Giving Back

Giving back is very important to Martha. For example, for every reverse mortgage loan she closes, she donates a certain amount to the Rossmoor Fund, which goes to serve the charitable and educational needs of the Rossmoor Walnut Creek community. 

Martha also supports the local community through the following organizations and events: 

Martha is an active member of the Walnut Creek community. Some of her favorite local activities include walking the Lafayette Reservoir Rim Trail, kayaking the Lafayette Reservoir with her little dog, Stella, and biking on the Contra Costa Canal from Martinez to Walnut Creek Heather Farms Park. She also enjoys listening to live music in downtown Martinez, Walnut Creek, and Danville, the theater at the Lesher Center for the Arts in Walnut Creek, and Town Hall Theatre Company in Lafayette. 

Martha has a Bachelor of Science in Business Management with a focus on finance, which she says has been very helpful for the loan origination process.

If you are interested in working with a Walnut Creek reverse mortgage specialist near you, reach out to Martha at 1-925-914-9326 or fill out the form on this page to get started. 


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Common Examples of What a HECM Can Help You Do

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