Enjoy retirement to the fullest.

Unsure if a Reverse Mortgage is right for you? Let us know and one of our experienced lending professionals will be happy to help you out.

James Stanko - Lineage Lending - Logo

Jim Stanko is a JUMBO and FHA Reverse Mortgage Specialist located in Southern California. He and his firm, Lineage Lending, are Federally- and CA State-Licensed reverse mortgage brokers. Lineage Lending is a member of the National Reverse Mortgage Lenders Association, an association that requires high ethical standards from its members.

For the past eight years, Jim has been helping interested homeowners learn about Home Equity Conversion Mortgages (HECMs) and the recently created JUMBO Reverse Mortgages designed for owners of higher-valued homes. Once he understands the homeowners’ goals and they understand the various loan programs available, the option as to which program best meets their goals and objectives is theirs to decide.

If they elect to go forward, Jim confers with them regularly to guide them through the loan procedure, answering all questions. He is committed to meeting and exceeding his clients’ highest expectations for integrity and service. Jim welcomes other family members and professional advisors of the homeowner to join the education process.



This FREE Calculator has been designed to help take the guess work out of your Reverse Mortgage research. It’s quick and it’s easy. Find out if a Reverse Mortgage is right for you today!


Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!


Reverse Mortgages can help you achieve any number of goals that you may have. Check out some examples of how people have benefited from or changed their lives with a reverse mortgage from James Stanko - Lineage Lending.


See some real world examples of how people have used a reverse mortgage to solve a problem.


What is a reverse mortgage? How can I qualify for a reverse mortgage? You've got questions, we get it. The James Stanko - Lineage Lending team is here to answer them all and guide and protect you throughout the process.


Get real, honest answers to your questions and more here. If you have a question we haven't answered, feel free to ask! Our experienced Reverse Mortgage experts are ready to help.

Things to Know About
A Reverse Mortgage

Home loans for seniors
A reverse mortgage is a loan available to seniors over the age of 62 which allows them to convert equity in their home into cash.

What Are Your Retirement Goals

Once I understand your goals, I will be able to provide you with several options at competitive pricing.

Financial Security in Retirement

A reverse mortgage is one of the few financial tools that allows senior homeowners to access a portion of their home equity to pay off their existing mortgage AND eliminate their monthly mortgage payment for as long as they live in the home. 

Assisted Living or Aging in Place

In 2020, a preference toward offering seniors the choice of aging in place over moving to an assisted care facility or nursing home took shape.  

Advice For Children Of Seniors

You are referred to as the “Sandwich Generation.” You’ve got kids in, or heading for, college as well as aging parents. Wherever you look, all you can see is additional expenses.

Jumbo Reverse Mortgage

The JUMBO Reverse Mortgage program meets the rapidly growing demand for a reverse mortgage from individuals who own homes worth more than $822,350.

The loan is TAX FREE

Technically, Reverse Mortgages are considered an advance, and loan advances are not taxable.

What are you waiting for? Getting started is easy. We offer very competitive rates, have great service, and always close on time.

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NMLS #1044434
DRE # 01270429

Equal Housing Lender


Contact Us

James Stanko - Lineage Lending
16950 Via de Santa Fe
Ste. 102
San Diego, CA 92067

(858) 922-4766

This material is not from HUD or FHA and not approved by HUD or a government agency. Borrower is responsible for property taxes, homeowner’s insurance and property maintenance. Equal Housing Opportunity. Rates, Program, Fees, and Guidelines are subject to change without notice. Restrictions apply. Not a commitment to lend. Not all will qualify.