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JoAnn Merrill-Drum

Your local Reverse Mortgage Advisor

San Diego, CA

(714) 330-6080
NMLS# 653014

With 36 years in the mortgage industry, JoAnn decided to venture into the world of reverse in 2022. She believes reverse mortgages could benefit many people 55+ and wants to educate and assist seniors in living a comfortable and happy retirement. JoAnn finds joy in helping people achieve their first, second, or third home, and loves building relationships with her clients and their generations to come.

More About Me

In addition to being your loan officer, I enjoy:

  • Hiking
  • Painting
  • Cooking
  • Deep Sea Fishing
  • Traveling

Recognitions and Certifications:

  • President's Club Member (7 years)
  • Licensed Real Estate Broker

Did You Know?

Reverse mortgages are a safe and strategic solution for homeowners in or nearing retirement to live more comfortably and be better financially prepared for the future.

Pay off an existing mortgage or home equity loan

Reduce monthly expenses

Buy a home that matches your needs and dreams in retirement

Reverse Mortgage Calculator

Enter your information below to see your personal calculation.

ZIP code required

Age of youngest borrower required

Home value required

Mortgage balance required

Enter your information to see your personal calculation.

Total Proceeds $-----
Mortgage Payoff $-----
Remaining Equity $-----
Cash Available $-----

You may be eligible for even more.

Speak to a licensed specialist to better understand your options at (800) 841-4626

Total Proceeds
Mortgage Payoff
Remaining Equity
Cash Available
Estimated proceeds based on the data you provided and typical origination fees, standard third-party closing costs for the type of product selected, and mortgage insurance premiums for HECMS. Values provided are only an estimate. Actual proceeds may vary based on (i) your home's appraised value, (ii) loan amount, and (iii) actual closing costs based on your geographic location and the third-party settlement service providers selected. Additionally, certain property charges may be set-aside from loan proceeds reducing the amount otherwise available for distribution if the financial assessment requires the establishment of a Life Expectancy Set Aside ("LESA") account. HomeSafe values are for the HomeSafe standard product only.

You may be eligible for even more.

Speak to a licensed specialist to better understand your options at (800) 841-4626

Calculator Results

Zip Code
Age
Home Value
Remaining Mortgage Balance
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Download Your Reverse Mortgage Toolkit

Learn how your home equity can help you get to work on the goals and dreams that matter most. Enter your email address below for instant access.

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What our borrowers are saying

I was recently referred to JoAnn through my real estate agent. Nothing but a positive experience with her and her team! Excellent service all the way around. We were on a super tight schedule and she came through with flying colors. Can't praise her and her team enough! I have already recommended her to several people. Thank you again.

Rhett

Verified FAR Borrower

If you're looking for a genuine, reliable, and knowledgeable person to fund your loan JoAnn is the person for you. We were first time home buyers who didn't even know where to begin with the process of purchasing a home. JoAnn, was able to walk us through the process in a vocabulary that we could understand and process that made us feel more comfortable about moving forward. From everyone telling us that we need to debt free and pay off all of our credit cards before starting the process was wrong and JoAnn was able to articulate to us and get us in the right direction what worked best for us so we wouldn't be House poor. Her communication was top notch, I didn't have to reach out to her for any information she was on top of it, and she was always available when we had questions about something. I would highly recommend JoAnn, and we will be using her for the future and will be referring to family and friends!

Clayton

Verified FAR Borrower

Ready to chat?

A reverse mortgage gives you the power to unlock the equity built up in your home while you continue to live in it.

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