Reverse Mortgage Company in Carlsbad, California
Meet Christina Harmes, CRMP
Christina Harmes, CRMP
Certified Reverse Mortgage Professional
NMLS #1094286 | CA DRE #01809003
(619) 304-3191
Carlsbad, California Reverse Mortgage Broker
Christina Harmes Hika and Barrett Financial Group are an excellent choice to consult with about a reverse mortgage in Carlsbad, from Oceanside to Encinitas and throughout San Diego County.
Christina is a dedicated professional in the industry with more than 20 years of experience in real estate and mortgage lending.
Having grown up in San Diego, she has a great affinity for her home town and believes it’s important to give back to the community she loves.
She works with reverse mortgages all day, every day and has done so for the past decade.
Christina began in her father’s mortgage office aged just 16 and has filled many roles throughout her career.
She is one of only 200 Certified Reverse Mortgage Professionals (CRMPs) nationwide and was the youngest to ever achieve the highest designation in the reverse mortgage industry.
For three years, she was the national assistant manager for the biggest broker in the nation.
She is a founding member of the National Aging in Place Council San Diego Chapter.
And she is a reverse mortgage coach, helping other loan officers learn how to offer reverse mortgages ethically, compliantly, and how to customize them to meet their clients' needs both now and throughout retirement with the goal of protecting and providing for their heirs.
Christina painstakingly built a premier reverse mortgage division from scratch but she will tell you her clients steal her heart and give her a real sense of fulfilment.
She loves helping older homeowners retain their independence and really get the most out of their retirement years as they had always dreamed of achieving.
Christina has a real passion and skill for being able to assist people to find the right solution for their specific situation and make this complex loan simple to understand by offering concise and clear explanations.
What is a reverse mortgage?
Reverse mortgages are one of the most powerful tools in the finance industry.
But unfortunately, they are also one of the most misunderstood.
They are ideal for retirees who own their home and wish to remain in it but are finding the rising cost of living makes it extremely challenging to remain on that course.
Sadly, many of these people are forced to sell their homes and downsize just to survive.
But those days are over!
Homeowners who have reached 62 years of age and are approved applicants may age in place with their financial stresses gone.
They can enjoy their sunset years in style, booking relaxing vacations, dining in five-star restaurants and living the high life they had always craved.
Retirees can access funds in a number of different ways including a lump sum payment, monthly instalments, a line of credit or a combination of all three.
As long as the terms of the loan are met, there is no need to repay it until either the homeowner sells the residence or the last surviving borrower passes away.
While it is true that Carlsbad homes have sustained a correction over the past 12 months, their average price of $1,593,241 remains well above the national average*.
It also represents a handsome 48.8% rise since August, 2020 (https://www.zillow.com/home-values/3975/carlsbad-ca/).
There are 2,500 people within a 10-mile radius of Carlsbad who are already taking advantage of a reverse mortgage with 140 of them having signed up in the last 12 months*.
About Carlsbad, California
Carlsbad takes its name from the Bohemian town of Karlovy Vary (Karlsbad) in the Czech Republic which translates as “Charles’ Bath” after the Holy Roman Emperor Charles IV.
The inspiration for that name came after fresh underground water was discovered in the 1880s and found to be chemically similar to some of the world’s most renowned spas.
Its discoverer, Captain John Frazier, called it ‘The Healing Well’ and early marketers promoted the water with the slogan, “Alright, drink and be happy”.
Today, Carlsbad is a highly sought beach city address in the North County region of San Diego County, around 35 miles north of downtown San Diego and 87 miles south of downtown Los Angeles.
Incorporated in 1952 to avoid annexation by nearby Oceanside, Carlsbad has grown from a population of little more than 9,000 in 1960 to an estimated 114,000 by 2023.
It is home to the McClellan-Palomar Airport which opened in 1959.
In March, 1999, Carlsbad welcomed Legoland California, the first theme park of its kind outside Europe.
It also houses the largest seawater desalination plant in the western hemisphere which was completed in 2015.
The city boasts three coastal lagoons, the only one to do so in San Diego County.
It is widely recognised as a global hub for golf equipment manufacturing and design.
Carlsbad is also home to one of the world’s first skateboard parks.
Contact your Carlsbad reverse mortgage lender today.
Christina and her team at Barrett Financial Group would love to hear from anyone who thinks a reverse mortgage might assist them in retirement.
Call Christina today at (619) 993-3882 and she will be only too happy to offer you a no obligation assessment of your position.
*As of October 2026
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