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About Steve Kaye

From the Beginning...

Steve Kaye

I began my career as a loan origintor in 1990 at a community bank in Southern California following several successful years in the title industry.  During my time at the bank, I was able to help many clients with either financing the purchase of their first home, buying a newer home, or refinancing their current mortgage loan.  And as much as I enjoyed it, something seemed to be missing. I wanted to offer more to my clients but felt limited at the bank and the restrictions of their program offerings and guidelines.

I took a step back, and some time away, and realized that by switching to becoming a mortgage broker, I could provide more loan options and bring even greater value to my clients, and do it more efficiently as well. The reason was simple: instead of working strictly for a single bank and representing only their rates and products, I could actually help more people by offering a greater variety of loan programs from a number of    various lending resources and options. And the icing on the cake? Almost always at even better rates.


My Home at C2

I chose to align myself with C2 Finacial, a top mortgage broker, because of their strong reputation in the lending community and especially when it comes to Reverse Mortgages, a loan program that I hold near and dear to my heart. C2 has been recognized by AIME (Associatation of Independent Mortgage Experts) as the #1 mortgage broker in the country. Their dedication and committment to their reverse mortgage customers includes strong relations with all of the top reverse mortgage companies in the country, of which C2 is more often than not, the top reverse mortgage loan production firm that they do business with. While I work primarily in the Tucson area, I also have the ability to originate loans throughout all of Arizona and in California as well, where I still have many friends, past clients, and ties. And if a client has a need in one of the other states, I am fortunate enough to have a number of quality colleagues I can refer to who are able to provide reverse mortgages throughout most of the country.


The Reverse Mortgage program is one that I am passionate about and I share that passion and committment with our entire reverse division when it comes to serving the needs of the 55+ community. The "Baby Boomer" generation, with over 10,000 Americans turning 62 every day (with this continuing through 2028), is a vital and important segment of our industry.  In fact, Baby Boomers now represent the #1 home buying group in the country -- and the Reverse Mortgage for Purchase program was specifically introduced in 2017 as a means to address this sector. This program is a great way for us to help serve our over-55 aged homeowners and homebuyers and their growing needs, allowing them to enjoy a more comfortable retirement and future. The Reverse for Purchase program is just one of the many positive changes that have been introduced to both enhance and improve the reverse mortgage program. The result: program changes and adjustments that have provided significant improvements in the program over the past 10-15 years. In many ways, this is the New Reverse Mortgage.

The tremendous responsibility of serving my clients is one that I accept with the utmost respect and comes with my commitment to providing them with the excellent communication, shared knoweledge, timely closings, and a level of unsurpassed service, with the honesty and integrity they should expect and that they deserve.

I am proud of my 30+ years as a mortgage lending professional, and am equally proud to work with and represent a company that shares the same goals and ideals as I do. I look forward to making a positive impact and difference in your life, and in the lives of my clients and the communities I serve.


Why Reverse Mortgage?

Reverse mortgage lending is a specialty mortgage program niche that requires - and combines - experience, knowledge, education, and a commitment to the product and to the senior community it serves: those homeowners or homebuyers over the age of 62 (it is important to note that while the majority of reverse mortgage clients need to be age 62 or older, there are also  propritary reverse mortgage programs that we offer that reduces the minimum qualifying age to 55 in most states, including both Arizona and California).

So, why did I decide to become a Reverse Mortgage specialist? As a "newer" member of that community myself, I've taken a greater interest in reverse mortgage programs and I am genuinely excited by the advantages and options - and, most importantly, benefits - this program brings. It is truly a life enhancing and sometimes life-changing program, and one that I am excited to be able to offer and specialize in. I've learned that this cannot simply be just be another loan program "offering" included in a menu of loan programs a lender can provide. To truly be able to properly serve those who want and/or need this program, a level of time committment and dedication to fully learning and understanding it is required. It is not a program to simply dabble in. 

Through this program, I have been able to help people enhance their lifestyles by allowing them to move to a more comfortable and convenient home, if desired,, or allowing for more freedom and the affordability to travel, as just two examples. I have helped people who wanted to be able to help their children buy homes of their own today - and not have to wait for an inheritance many years down the road. I have helped some of my older clients obtain the in-home care and medical attention they needed, without having to move out of their home, or burden their children with the added responsibility and debt. And I have helped some clients remain in their homes when they thought their only option was to sell and leave. And by being able to do these things, I have often experienced their tears of appreciation and gratitide - as well as the gratitude from their children. I can tell you firsthand, there is nothing more rewarding than to be able to help improve, often substantially, the quality of life of so many, or easing the minds of seniors by helping them prepare for any potential life events that might come their way later, while also easing the concerns and burdens of their families. It is incredibly rewarding and, hopefully, helps to better explain the answer to the question, "Why reverse mortgages?".


About Me

After spending nearly all of my life in Southern CA, I moved to the Tucson, Arizona community of Oro Valley, in 2022 with my wife Debbie, who I love dearly, and our dog Phoebe. The decision to move here was actually made long ago. Debbie had lived here previously, and this is where I asked her to marry me. And while I still conduct business in CA through my past clients and referrals, Arizona is my home; my "new frontier", if you like - and I love it here! I am also a father of three with four grandchildren that I love more than I could ever share. I am also a proud U.S. Navy veteran and love serving our military personnel - both curent and former -  and I get a special satisfaction in doing so, whether it be with a VA loan or a reverse mortgage. And, yes, I do both. I believe that we can never do enough for our veterans and active-duty military personnel and their families.

When I am not providing mortgage financing, I enjoy watching sporting events, going to concerts, live shows, and movies, traveling (is there any vacation better than a cruise?!!) and - yes - eating! And we certainly do have some great food here in the Catalina mountain region!

I look forward to the opportunity to answer any questions you might have about the reverse mortgage program and process, and hopefully the chance to work with you or a famaily member to help make the loan process a stress-free and successful one for you -- just as it should be.