I'm Michael Brouse. For homeowners 62 and older across the North Bay, I make reverse mortgages clear, honest, and free of pressure, so you can decide what's truly right for you and your family.
A reverse mortgage lets homeowners 62 and older tap into the equity they have built without taking on a monthly mortgage payment. I help homeowners across Petaluma, Santa Rosa, Rohnert Park, Sonoma, Novato, Sebastopol, and the wider North Bay understand exactly how it works, the upside and the fine print alike.
Watch this quick introduction, then reach out with whatever questions you have. There is never any obligation.
Free up cash flow every month by removing your required mortgage payment for as long as you live in your home.
Turn the equity you have built into funds you can use for living expenses, home repairs, or simply peace of mind.
Set up a reverse mortgage line of credit that can grow over time, giving you a safety net for whatever the future holds.
Keep living in your home and retain the title. The loan is repaid later, usually when the home is sold.
Add a reliable layer to your retirement plan so you can stop worrying about money and start enjoying these years.
Work with a specialist who walks you through every option honestly, so the decision always feels like yours.
*You remain responsible for property taxes, homeowners insurance, and keeping the home in good condition.
See what you may qualify for. No cost, no obligation, just straight answers.
Homeowners 62 and older who want to use their equity to live more comfortably and securely in retirement.
Learn more →Sons and daughters helping a parent weigh the options and make a confident, well informed choice together.
Learn more →Financial planners, realtors, and senior care professionals looking for a reverse mortgage partner they can refer with confidence.
Partner with me →I'm an advisor first and a lender second. A reverse mortgage is a big decision, and you deserve someone who treats it that way. My job is to educate you fully, answer every question, and help you reach the choice that genuinely fits your life, even if that choice is to wait.
We talk through your goals and questions. No pressure, no commitment, just a real conversation.
I walk you through the numbers and the choices so you can see exactly what a reverse mortgage would mean for you.
If you move forward, you complete independent HUD counseling and we handle the application together.
Your loan funds, and you get to enjoy the comfort and flexibility you have been working toward.
"Great guy with a ton of experience. Always willing to go out of his way to educate his clients on the pros and cons of all the options, so they can make the best financial choice for their family. He puts their interests ahead of anything else. Truly a service above self kind of advisor."
"Michael has integrity and incredible knowledge with reverse mortgages. If you're looking at making one of the most important steps in your life, do it with the help of Michael's expertise."
"Mike has helped us with our mortgage needs and with refinancing as rates have gone down through the years. He is honest and has looked out for our best interest. I would recommend Mike if you're looking for a mortgage specialist."
"Mike is a fantastic mortgage professional with the unique experience to help both those looking to buy a home and older homeowners who benefit from a reverse mortgage. Mike comes with my highest recommendation!"
"Every interaction I've had with Michael Brouse has been gracious and professional. He goes the extra mile and has been generous with sharing his knowledge and expertise. I highly recommend him!"
"Mike is lovely, personable, and highly knowledgeable. I would recommend anyone who may be in the market for a reverse mortgage, or not sure if it is a good fit, to give him a call!"
Let's look at your numbers together with no cost, no pressure, and no obligation. You will walk away knowing exactly where you stand.
Financial planners, realtors, and senior care professionals: refer your clients to a reverse mortgage specialist who treats them with the same care you do.