Reverse mortgages
A parent's reverse mortgage in California: a family guide
For adult children in California: when a parent's reverse mortgage comes due, what heirs can do with the home, the 95% rule, and the time limits.
Home lending across three states, handled like a good host.
Personally licensed in Hawaiʻi, Nevada & California · NMLS ID # 312260
Thirty years in hotels, restaurants and cruise ships taught me one thing: people remember how you made them feel while the hard part was happening. That's how I run a loan.
I'm Georg Thoma, a Senior Loan Officer with Kamaʻaina Mortgage Group, based in Kihei, Maui. I help people buy, refinance and use their home equity in Hawaiʻi, Nevada and California, including VA loans, reverse mortgages, condotels and self-employed loans. I work by phone or video call, in English or German, under NMLS ID # 312260.
By Georg F. Thoma, Senior Loan Officer · NMLS ID # 312260 · Updated
Ways to get started
Take the two-minute check
Answer a few questions and see the path that fits — no pressure, nothing gated.
Where do you stand? →Apply online
Ready to start? Begin your secure application whenever it suits you.
Apply now →Schedule a call
Twenty minutes by phone or video call. You talk to Georg.
Schedule a call →Where to start
Pick the one that sounds like you.
You served
VA loans, done properly. No down payment, no monthly mortgage insurance, and in Hawaiʻi no county ceiling if you have full entitlement.
No down payment is available for eligible borrowers through the VA loan program. Eligibility requirements apply, funding or guarantee fees may apply, and not all borrowers will qualify. No down payment does not mean no closing costs. All loans are subject to credit approval, underwriting and applicable program requirements.
You're 62 or older
Turn the equity you've built into money you can use, and stay in your home. See a real estimate in about a minute — no phone call required.
Buying a home
First home, next home, second home. Conventional, FHA, USDA and down-payment assistance, explained without the jargon.
You already own
A lower payment, a shorter term, or cash out of your equity. Three minutes tells you whether refinancing is worth a real look.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Twenty-five years on Maui. He knows the neighborhoods, the buildings, and what an appraiser will say before you do.
Kihei · Wailea · Kāʻanapali · Wailuku
Why Georg
Why people work with Georg
He answers.
One person from first call to funding. Not a queue.
Three states, one licence holder.
Hawaiʻi, Nevada and California, so a move between them doesn't mean starting over.
Deutsch gesprochen.
The only German-speaking mortgage professional listed in Hawaiʻi.
Twenty-five years on Maui.
He knows condotels, leasehold, and what an appraiser will say about a lava-zone lot.
Licensed in Hawaiʻi, Nevada & California · NMLS ID # 312260 · See his credentials
Reviews
What clients say on Google
Reviews live on Georg's Google Business Profile, so you read them exactly as clients wrote them.
How it works
Three steps. Nothing you have to figure out alone.
One person from the first call to funding. You will always know what comes next.
01
Talk
20 minutes by phone or video call. No documents needed yet.
02
Plan
You get a clear written estimate and a short list of what to gather.
03
Close
Georg stays on the file. You'll always know what's next.
Common questions
Still stuck? Call Georg at (808) 357-9791
Which states are you licensed in?
Personally, I'm licensed in Hawaiʻi, Nevada and California: NMLS ID # 312260, Hawaiʻi MLO 312260, Nevada MLO 53505 and California DFPI 312260.
What kinds of loans do you handle?
Home purchases, VA loans, reverse mortgages, refinancing, self-employed and bank-statement loans, condotels and second homes, and DSCR loans for investment property. Tell me what you're hoping to do and I'll show you the options that fit.
Do we need to meet in person?
No. I work by phone or video call, wherever you are. Most of the paperwork happens by email and e-signature, so nobody has to travel.
Can we work in German?
Yes. I grew up in Bavaria, and I'm happy to talk everything through in German from the first call on.
How can I check your licence?
Look up NMLS ID # 312260 at www.nmlsconsumeraccess.org, the official public registry. My licence numbers for each state are also on the Licensing & Disclosures page of this site.
What happens on the first call?
We talk for about twenty minutes by phone or video. You don't need documents and there's no pressure. You tell me what you're hoping to do, and I give you straight answers about what's possible and what comes next.
Guides
Straight answers, before you need them.
Business & investment
Buying a California rental with a 1031 exchange
How a 1031 exchange into a California rental works: the 45- and 180-day deadlines, the FTB forms, and the rent cap that may apply to the property you buy.
Refinance
Cash-out refinance in Hawaiʻi: what to check first
How a cash-out refinance works on Maui and across Hawaiʻi: how long you must own first, your 3-day right to cancel, ʻohana units, and HELOC options.
Start with a conversation.
Bring your questions. I'll give you straight answers.
On the call
- What you're hoping to do
- A rough budget and timeline
- Which loan could fit
- Anything you're unsure about
Georg ThomaSenior Loan Officer · NMLS ID # 312260