From North Bay Native to Senior Advocate
Reverse Mortgage Specialist: Trusted Guidance for Homeowners 62+
Meet Your Local Marin & Sonoma County Reverse Mortgage Specialist
Kathlene Carney Seidel (NMLS #2040727) is a Senior Loan Officer and Certified Reverse Mortgage Specialist with NEXA Lending. Serving homeowners aged 62+ across Marin and Sonoma Counties, she specializes in Home Equity Conversion Mortgages (HECMs) and proprietary jumbo reverse mortgages to help Northern California seniors safely age in place.
Rooted in Family, Dedicated to Seniors
For thirteen years, my grandmother lived with my husband, our two children, and me. Having her close as she grew older gave me a firsthand look at what families face as parents and grandparents age—the planning, the transitions, and the emotional decisions that come with it.
That experience is why I do this work today. As a Senior Loan Officer, Certified Reverse Mortgage Specialist with NEXA Lending, and a senior myself, I am deeply committed to serving our aging community. A Marin native now living in Sonoma County, I help homeowners aged 62 and older put their home equity to work so they can comfortably age in place.
My Credentials
I hold the Certified Reverse Mortgage Specialist (CREV) designation from the National Association of Mortgage Brokers. My NMLS ID is #2040727, and you can verify my license anytime on NMLS Consumer Access.
At NEXA Lending, we offer loans from Mutual of Omaha, Finance of America Reverse, Longbridge, and other reputable lenders. When you work with me, you’re working with an experienced reverse mortgage specialist who lives here, understands North Bay home values, and will still be here long after your loan closes.
Addressing Misconceptions Directly
Most people don’t reject reverse mortgages because they’ve looked closely at how they work today. They reject them because someone they trusted—a friend, an article, or an advisor from another era—told them reverse mortgages were a bad idea years ago when the rules were entirely different.
Kathlene Carney Seidel addresses that elephant in the room directly. Sometimes a reverse mortgage is the right fit; sometimes selling, downsizing, or another financial tool makes more sense. Her job is to walk you through your options honestly using plain, unhurried language—just like she would for her own parents.
Serving Homeowners Across Marin & Sonoma Counties
As your local reverse mortgage specialist, I work directly with homeowners, their adult children, and financial advisors across the North Bay, including:
Sonoma County
Santa Rosa, Petaluma, Windsor, Sonoma, Sebastopol, Rohnert Park, and surrounding communities.
Marin County
Novato, San Rafael, Mill Valley, Corte Madera, San Anselmo, and surrounding communities.
How I Help North Bay Seniors
Everyone’s financial goals are unique. I help you understand how to use your home equity to:
- Increase Monthly Cash Flow: Eliminate monthly principal and interest payments or establish predictable monthly tenure payments.
- Build a Safety Net: Set up a growing line of credit to buffer against unexpected expenses or rising property insurance costs.
- Age in Place: Pay for accessibility renovations or in-home care needs.
- Purchase a New Home: Use a HECM for Purchase loan to downsize or move closer to family without monthly mortgage payments.
Local Leadership & Community Involvement
Beyond working one-on-one with clients, Kathlene Carney Seidel is actively engaged in supporting seniors throughout our region:
Regional Leadership
Active member of both the Marin and Sonoma Sections on Aging.
Hands-On Volunteering
Volunteer with MERP (Medical Equipment Recycling Program), providing essential medical equipment to local seniors in need.
Community Education
Regular guest speaker at local venues, including the Petaluma Senior Center, the Sonoma County Council on Aging, and the Mill Valley Public Library.
Educational Workshops
Co-host of the free monthly webinar “Should I Stay or Should I Go?” and host of the workshop “Aren’t Reverse Mortgages a Scam?”
“Still have questions? As a reverse mortgage specialist, I’m happy to help—no pressure, just clear answers..”
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