A local CRMP specialist for Tucson and Southern Arizona. David Rider helps homeowners 55+ turn decades of home equity into retirement security, with honest guidance and a face you can meet in person.
Tucson and the surrounding metro make up one of the country's true retirement regions, and the numbers bear it out. Pima County is home to more than 222,000 residents age 65 and older, roughly 21% of the population and well above the national average, and many of them have owned their homes for decades. With Tucson's median home value in the mid-$300,000s, a great many local homeowners are sitting on equity they've spent years building, even in a market more affordable than Phoenix or the coasts. The question is how to put that equity to work without selling the home or taking on a payment they would rather avoid in retirement.
That's exactly what David Rider focuses on, and it's all he does. As a Certified Reverse Mortgage Professional (CRMP), the highest credential in the industry and one held by only a small fraction of loan officers nationwide, David gives Tucson-area homeowners 55 and older local, no-pressure guidance on whether a reverse mortgage fits their plan. 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 Southern Arizona, can meet you in person, and stays accountable long after closing.
Whether you're in one of the region's large active-adult communities like SaddleBrooke or Green Valley, a longtime family home in midtown Tucson, or anywhere across Oro Valley, Marana, Sahuarita, Catalina, or Vail, 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.
Tucson didn't become a retirement hub by accident. More than 320 days of sunshine a year, a cost of living well below the coasts, and a deep cluster of established 55+ communities have drawn retirees to Southern Arizona 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 on a fixed income.
The classic Tucson-area retiree owns a home worth far more than they paid, wants to stay in it or in the region, and would rather not carry 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. In an affordable market like Tucson, the growing line of credit is an especially popular way to build a retirement backstop.
For homeowners looking to move within the region rather than stay put, the HECM for Purchase lets you buy a new primary residence, often right-sizing into one of the area's low-maintenance active-adult communities, with no required monthly mortgage payment going forward.
David works with homeowners across the Tucson metro's active-adult communities and the surrounding Southern Arizona region. A few of the areas we serve:
A premier 55+ community at the base of the Santa Catalina Mountains, one of Southern Arizona's largest active-adult communities.
A newer Robson 55+ resort community in nearby Oracle, popular with retirees right-sizing into the region.
One of Arizona's original age-restricted communities, about 25 miles south of Tucson, largely retired and self-contained.
An established Del Webb 55+ community in Oro Valley with a deep base of longtime owners.
An upscale northwest suburb at the foot of the Catalinas, popular with active retirees.
A fast-growing northwest community with newer homes and a mix of retirees and families.
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, 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 Tucson 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 Tucson and Southern Arizona, including Oro Valley, Marana, Green Valley, Sahuarita, Catalina, and Vail. He works with homeowners 55+ across the Tucson metro's many active-adult communities, such as SaddleBrooke, Green Valley, and Sun City Vistoso, offering FHA HECM reverse mortgages, HECM for Purchase, and proprietary products such as the HomeSafe Second. 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 Tucson's median home value in the mid-$300,000s, many local homeowners who have owned for years have substantial equity to work with. The 2026 FHA HECM lending limit is $1,249,125, which covers the large majority of Tucson-area homes, and higher-value homes can be evaluated for a jumbo or proprietary reverse mortgage. A local evaluation runs the exact numbers for your home.
All of the Tucson metro and Southern Arizona, including the region's well-known 55+ communities such as SaddleBrooke, SaddleBrooke Ranch, Green Valley, and Sun City Vistoso, plus Oro Valley, Marana, Sahuarita, Catalina, and Vail. Pima County is home to more than 222,000 residents age 65 and older, about 21% of the population and well above the national average, which makes Southern Arizona one of the country's true retirement regions.
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 he serves Southern Arizona directly. You get a named local expert who knows the Tucson area's communities, meets in person when you want to, and stays 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 Tucson or Southern Arizona using a reverse mortgage, combining a one-time down payment with reverse proceeds so there is no required monthly mortgage payment going forward. It is a popular option for retirees right-sizing into one of the area's active-adult communities without draining their 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 Tucson 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. Proprietary and jumbo reverse mortgages are not FHA-insured and have their own eligibility and product terms. Local statistics for Tucson and Pima County, 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.