Marty Appel

Home Equity Retirement Specialist NMLS# 235426

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

About Me

Marty Appel
Home Equity Retirement Specialist | NMLS# 235426 | 1-510-701-2167

Areas of Expertise

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

Marty Appel is a well-known local expert and speaker on reverse mortgages. He has assisted countless older homeowners enhance their retirement years by helping them select the correct reverse mortgage program to meet their particular needs and goals. With his “no-pressure”, educational approach, Marty is an expert at helping his clients find the right solution that exactly meets their needs.

Marty’s core values are made up of Integrity, Loyalty, Diligence and Compassion.

Outside of work, Marty enjoys spending time with his wife Janet. He also loves to cook, create sculptures with hot glass, and grow beautiful orchids.

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


“We felt secure in knowing Marty had our best interests in mind. We had worked with him in 2008 in securing a reverse mortgage, and at that time he was also helpful, patient, detailed, etc. It was this experience which led us to seek him out recently to secure another reverse mortgage. His calm, caring manner was still in place. We know he'll be there to call on in the future for any questions that may arise.”


“Marty was unfailingly polite, forthcoming, offering details, repeating those details when necessary, and was also unfailingly patient with these two clients who needed a lot of advice since we knew very little about the complexity of jumbo loans.”


“During the course of the all the procedures we were in contact by e-mail or telephone, again handling what needed to be done simply and efficiently. I couldn't be happier with the way we worked together and how kind and considerate you were.”


“After an unsuccessful attempt to do a reverse mortgage on our home, my wife and I were redirected to Marty Appel. Working with him was a completely different experience. Marty was timely, direct, and informative. He was extremely professional, explaining everything along the way. I would not hesitate to work with again in the future should the occasion arise, and I would definitely recommend him to anyone.”


“Dear Marty, thank you so very much for your Service, and help with the Reverse Mortgage adventure. I will definitely network your talent & skills in this business for future referrals. May God bless you. And I will stay in touch. ”


“Just wanted to tell you how very much I appreciated all your help in accomplishing my reverse mortgage! I feel very fortunate that it was suggested I contact you by an officer at Wells Fargo Bank, who handled my mortgage and credit line. Our meetings initially were not only businesslike and your explanations very easy to understand, they were friendly and pleasant, like we had been friends for years.”


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