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Tom Kronen

Reverse Mortgage Advisor NMLS# 582987

1114 State Street Suite 320
Santa Barbara, CA 93101

About Me

Tom Kronen
Reverse Mortgage Advisor | NMLS# 582987 | 1-805-895-0471

I strongly believe that a HECM reverse mortgage, especially when used as part of a coordinated financial strategy, can solve many challenges that older homeowner’s face in retirement. I have been a reverse mortgage loan consultant and manager for 14 years and I can draw from that experience and expertise...

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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


“Tom was unbelievable at taking us through the process and carefully explaining how a reverse mortgage would help our retirement situation. There's no way we would have done this without his expert analysis and his patience. We slowly came around to it and can't thank Tom enough.”

-Norm and Shelley

“We had some incorrect assumptions about reverse mortgages and Tom was able to show us how it really works. He met with our financial advisor and together we created a plan that made perfect sense. Tom gained our trust from the beginning and he put us at ease with his presentation. ”

-Ralph and Janet

“I was referred to Tom by my attorney. Tom was quick to respond and made it so easy for my wife and I to understand all the pros and cons. We couldn't be happier with our decision.”

-Joan and Jeannie

“It's great to utilize Tom to help with clients who can benefit from a reverse mortgage strategy. This is an academically valid way to extend the distribution longevity of a client's investment assets.”

-John, CFP

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