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For many years now Marina really guided us financially so that we can successfully and securely retire. Moving to the Reverse Mortgage is the basis of that success as we move into an uncertain future.

Dick & Marion, Santa Cruz


"Marina made what could have been a horrible nightmare into a dream come true! Money in my bank account!"

- Luisa, Santa Cruz

"A friend had referred me to Marina for a reverse mortgage which I knew virtually nothing about. After meeting with her, my mind was set to ease and I felt ready to embark on the process. Respectively, Marina was patient and a true pro all the way through to the end. I have already referred her to one friend who was also very happy with her experience and highly recommend her to others."

Jim, Santa Cruz

"Marina secured a reverse mortgage for us first five years ago and it’s the best thing we ever did. And then now with lower interest rates available and my home value increased greatly we refinanced to a much lower fixed interest rate which will be so much better for us in the long run. She’s smart and knowledgeable and is always looking out for what is best for each client’s particular needs. I highly recommend her."

Judy, Soquel

"During COVID lockdown, with care and patience, Marina helped us navigate our reverse mortgage expeditiously."

Barbara, Santa Cruz

"A reverse mortgage is a big financial decision and an involved process, so it's important to have a trusted partner on the journey, and you couldn't ask for more than Marina. I just completed my loan with her and it actually closed SOONER than anticipated, largely due to Marina's efforts. She is very hardworking, knowledgeable, patient, accessible and committed to guiding you to the best product for your needs. Absolutely no pressure, and you clearly feel she is on your side. Last, but not least, she's a lovely, kind person."

Lesli, Santa Cruz

"Marina is a terrific pro, a super communicator, and an upstanding & honest person. She found the right reverse mortgage for us, and stayed with us every step of the way in what became a five-month odyssey. After getting to what we thought was the finish line and signing the first set of papers, the CZU Lightning Complex fire in Santa Cruz put the whole process on hold when we had to evacuate. Marina guided us through every step and found solutions to all problems that arose until we signed the second set of papers two months later. We are so happy we did this, our finances are in such better shape, and we can sleep soundly at night. I highly recommend her for reverse mortgages."

Ann, Santa Cruz

"As a Notary Public/Loan Singing Agent in Santa Cruz County, I was very impressed with Marina Watts' professionalism and dedication to a smooth reverse mortgage process all the way to closing for her clients. It is not often that I attend a reverse mortgage signing where the clients have been guided with so much care and communication from start to finish of such a complicated process! I highly recommend Marina Watts if you are considering a reverse mortgage professional."

Melanie, Santa Cruz

"Marina Watts worked very hard to help me get a reverse mortgage. She communicated well and responded quickly to my questions. We had a lot challenges along the way, but she was always on top of the situation and found a solution. In the end, everything worked out to my satisfaction. She is honest and trustworthy."

Sam, Santa Cruz

"The experience of working with Marina Watts on a reverse mortgage was everything such an experience should be. She was excellent in communicating with us, always responded promptly and really knew her material. We also felt her to be generous and kind and totally professional. What more can one ask for? We received a great loan in a reasonable amount of time. We recommend her highly."

Chris & Melita, Santa Cruz

"We bee happy! : ] Thank you Marina ~ working with you on the Reverse Mortgage was great! Your explanations were perfect, you responded to all our issues and requests! It was easy, actually! Thanks!!

Stephanie & Barry, Santa Cruz