A local CRMP specialist for Mesa and the East Valley. David Rider helps homeowners 55+ turn home equity into retirement security, with honest guidance and a face you can meet in person.
Mesa is one of the best places in America to retire, and the numbers show it. Roughly 23% of Mesa residents are 60 or older, nearly 19% are 65-plus, and the city has led the nation in the net influx of retirement-age residents. With a median home value in the mid-$400,000s, a great many Mesa homeowners are sitting on substantial equity they've spent decades building. The question is how to put that equity to work without selling the home or taking on a payment they can't afford.
That's exactly what a reverse mortgage is built for, and it's all David Rider does. As a Certified Reverse Mortgage Professional (CRMP), the highest credential in the industry, held by only a small fraction of loan officers nationwide, David provides local, no-pressure guidance to Mesa homeowners 55 and older. You're not calling a 1-800 number and getting a different voice each time. You're working with a named local expert who knows the East Valley, can meet you in person, and stays accountable long after closing.
Whether you're in one of Mesa's active-adult communities or a longtime family home near Gilbert, Chandler, Tempe, Apache Junction, or Queen Creek, the conversation starts the same way: a no-cost evaluation that tells you exactly what's possible for your situation, and tells you honestly if a reverse mortgage isn't the right move.
Mesa didn't become a retirement destination by accident. Affordable-relative-to-the-coasts home values, year-round sunshine, and a dense cluster of established 55+ communities have drawn retirees here for decades. Many arrived years ago, paid down their mortgages, and watched their homes appreciate, leaving them equity-rich but, in some cases, cash-flow tight.
The classic Mesa retiree owns a home worth far more than they paid, wants to stay in it, and would rather not add a monthly mortgage payment in retirement. A reverse mortgage is purpose-built for that profile: it converts equity into cash, as a lump sum, a growing line of credit, monthly payments, or a combination, with no required monthly mortgage payment for as long as you live in the home and keep up taxes, insurance, and upkeep.
For homeowners looking to move within the East Valley rather than stay put, the HECM for Purchase lets you buy a new primary residence, often right-sizing into a low-maintenance home in an active-adult community, with no required monthly mortgage payment going forward.
David works with homeowners across Mesa's established active-adult communities and the surrounding East Valley cities. A few of the neighborhoods we serve:
One of Mesa's original gated 55+ communities, a long-standing hub for active retirees.
Established East Mesa active-adult community with a deep base of longtime owners.
Its sister community, popular with retirees who have built significant home equity.
A close-knit 55+ neighborhood in the East Valley retirement corridor.
A resort-style active-adult community drawing seasonal and full-time retirees.
Gilbert, Chandler, Tempe, Apache Junction & Queen Creek, all served locally.
We review your situation, explain your options, and tell you honestly whether a reverse mortgage fits your goals. By phone at (602) 510-1520, or in person at the Mesa office, your call. No cost, no obligation.
Every HECM borrower completes a session with an independent, HUD-approved counselor who has no financial stake in your decision. It's a federal requirement, and a good one. Many Arizona counselors complete the session by phone.
A licensed local appraiser establishes your Mesa home's current market value. Your available amount is calculated from your age, the home value, and current rates, and a Financial Assessment confirms you can keep up with property taxes and insurance.
Any existing mortgage is paid off first, ending that monthly payment. Remaining funds come to you however you've chosen, lump sum, growing line of credit, monthly payments, or a combination. A three-day right of rescission applies for your protection.
Yes. David Rider, CRMP (NMLS #200787) is a reverse mortgage specialist serving Mesa and the surrounding East Valley, including Gilbert, Chandler, Tempe, Apache Junction, and Queen Creek. He works with homeowners 55+ across Mesa's active-adult communities, offering FHA HECM reverse mortgages, HECM for Purchase, and proprietary products like the HomeSafe Second. The office is at 5559 S Sossaman Road, Building 1, Suite 101, Mesa AZ 85212, and a no-cost evaluation can be done by phone at (602) 510-1520 or in person.
It depends on your age, your home's value, and current interest rates, not on income or credit the way a traditional loan does. With Mesa's median home value in the mid-$400,000s, many local homeowners have substantial equity to work with. The 2026 FHA HECM lending limit is $1,249,125, and homes worth more than that can be evaluated for a jumbo or proprietary reverse mortgage that may unlock more equity. A local evaluation runs the exact numbers for your home.
All of Mesa, including 55+ communities such as Leisure World, Sunland Village, Sunland Village East, Verde Groves, and Las Palmas Grand, plus the broader East Valley: Gilbert, Chandler, Tempe, Apache Junction, and Queen Creek. Mesa has led the nation in net influx of retirement-age residents, and a large share of the city is 60 and older, exactly the homeowner the reverse mortgage program was designed for.
A reverse mortgage is one of the biggest financial decisions a retiree makes, and the advisor matters more than the call-center script. David holds the CRMP designation, the industry's highest credential, held by only a small fraction of loan officers, and lives and works in the East Valley. You get a named local expert who knows Mesa's neighborhoods, meets in person when you want to, and is accountable to you long after closing, instead of a rotating cast of voices at a 1-800 number.
Yes, that's the HECM for Purchase. It lets a buyer 62+ purchase a new primary residence in Mesa or the East Valley using a reverse mortgage, combining a one-time down payment with reverse proceeds so there's no required monthly mortgage payment going forward. It's a popular option for retirees right-sizing into one of Mesa's active-adult communities without draining savings.
The FHA-insured reverse mortgage. No monthly payment, non-recourse, and a line of credit that grows over time. Age 62+.
Learn about the HECM →Buy a new primary residence in Mesa with a reverse mortgage, no required monthly payment going forward. Age 62+.
Learn about HECM for Purchase →Keep your low-rate first mortgage and still access equity. No monthly payment. Second lien. Age 55+.
Learn about the HomeSafe Second →See every senior home equity product side-by-side across payment, age, equity, and process.
See the full comparison →A no-cost evaluation takes about 20 minutes and tells you exactly how much equity you can access and what your options look like. If a reverse mortgage isn't right for you, we'll tell you that too. Call (602) 510-1520 or schedule online.
Disclaimer: This page is for educational purposes only and does not constitute financial advice or a commitment to lend. Reverse mortgage products, including the FHA-insured HECM, are subject to program guidelines, loan limits, rates, and eligibility requirements that change without notice. The 2026 HECM lending limit of $1,249,125 applies to case numbers assigned on or after January 1, 2026. Local statistics for Mesa, Arizona are approximate and provided for general context. Interest accrues on the loan balance over time, reducing home equity. Borrowers must remain in the home as their primary residence and maintain property taxes, insurance, and upkeep; failure to comply may result in the loan becoming due. Consult a qualified financial advisor about your specific situation. David Rider, NMLS #200787. Senior Resources Mortgage operates through NEXA Lending, LLC, NMLS #1660690. AZ Mortgage Banker License BK-2006218. Equal Housing Lender.