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Mary-Alice Cárdenas

Your local Reverse Mortgage Advisor

San Francisco, CA

(415) 233-1007
NMLS# 468646

Mary-Alice Cardenas has spent her career helping seniors remain in their homes through reverse mortgages. Having worked with financial and estate planners, bankers, certified public accountants, and senior care advocates, Mary-Alice’s successes since 2005 draws on professional experience in senior care and real estate. She holds a Master’s degree in Public Health and has an extensive background in senior healthcare. She values older adults and their experiences, saying, “It’s rare that I don’t learn something from my clients, which helps me live a more meaningful life.” Her background with, and deep caring for, older homeowners has made her a respected reverse mortgage specialist. Mary-Alice is proud of her Spanish heritage and is bilingual, providing added value to clients, and has a vested interest in all past and new clients. She enjoys learning about family origins and keeping in touch with past clients to learn how an RM has improved and changed their lives.

More About Me

In addition to being your loan officer, I enjoy:

  • Traveling and learning alongside of her son, O’Neill
  • Walking, meditating, biking, swimming, and journaling
  • Spending time with parents and siblings who I am blessed to have alive

Recognitions and Certifications:

  • Master’s in Public Health
  • Former Board Member of SF FPA
  • Member of the Marin county Estate Planning council
  • Completed Ironman Brazil and Ironman Coeur-de lane

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

Mary-Alice helped make the process painless, and explained the truths and myths about reverse mortgages. She made the process easy. Mary-Alice stayed in touch after the loan closed to make sure we understood our statements. It wasn’t just a transaction to her. She really cared about our well-being."

Virginia

Verified FAR Borrower

Mary-Alice and I had a three-way conversation with my financial advisor, and he said, ‘Go for it.’ As soon as it became obvious that (a reverse mortgage) was the thing I should do, I just felt that big load slide off my back. My friend is a tough one, and he asked all the right questions, and Mary-Alice came through with shining colors.”

Mary

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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