Renee Konstantine

My mortgage career began in 2001. By 2010, I had narrowed my entire practice to reverse mortgages — specifically HECMs, the federally insured product backed by FHA and HUD. That focus matters. The attorneys and financial planners who refer clients to me aren't looking for someone who dabbles.

They need a specialist they can trust to handle complex situations — conservatorships, Medi-Cal planning, gray divorce, probate — with competence and care. The CRMP is the industry's highest credential, held by fewer than 500 professionals nationally. It's how you know this isn't a side specialty.

What I Help With: Gray Divorce — Protecting financial futures during late-life divorce using home equity strategies and HECM for Purchase Aging in Place — Funding in-home care so clients can remain independent without drawing down investment accounts Medi-Cal Planning — Coordinating HECM line of credit strategies with Medi-Cal eligibility — California-specific expertise Conservatorship — Navigating HECM origination for conservatees, including court authorization and capacity requirements Retirement Income Planning — Coordinating with CFPs on buffer asset strategies, sequence-of-returns risk, and Social Security timing Eliminating Mortgage Payments — Paying off existing mortgages to free up monthly cash flow and remove default risk in retirement Why Work With a Specialist: Clear, honest education — no jargon, no fear tactics Personalized financial analysis for each situation Collaboration with your existing advisors and attorneys No-pressure consultations — all questions welcome Deep knowledge of California Medi-Cal, probate, and conservatorship Transparent guidance on both benefits and limitations CRMP credential — the industry's highest standard Author I co-authored Reverse Mortgages for Women, by Women with Kimberly Buckley — a guide written for women navigating retirement on their own terms.

Available on Amazon. Let's have the conversation. Phone/Text: 619-244-7492 Email: ReneeK@C2financial.com Serving Southern California & Washington State Renee Konstantine, CRMP | Associate Broker | C2 Financial Corporation | NMLS #1360025 | Licensed in CA & WA. This page is for informational purposes only and does not constitute financial or legal advice.