Home Financing Inc. - NMLS 60506
26111 Marguerite Pkwy #A Mission Viejo CA, 92692
Need Mortgage Help? (888) 335-1434

Mike Kirkland

Mortgage Banker

(909) 273-5556
Email Me
24422 Avenida de la Carlota #350
Laguna Hills, California 92653

Professional Philosophy

“My objective concerning every loan transaction is to educate my clients and to strategize with them to achieve their optimal financial outcome. That result can only occur when I continually focus on product knowledge, transparency and personal integrity.”



Mike joined an international certified public accounting firm following college graduation.  He ultimately established his own practice specializing in wealth management and tax strategy. After 43 years he retired, bored with retirement, he became a Realtor assisting seniors procure a “better place to live.”  He earned a Senior Real Estate Specialist (S.R.E.S.) designation, while working as a Realtor.

In 2014, Mike became a Mortgage Loan Originator, specializing in Reverse Mortgages. One of his joys is teaching Realtors and other professionals how a Reverse Mortgage can be an incredible tool to help their clientele achieve an optimal lifestyle. 

His greatest joy comes from working directly with seniors who after consultation, quickly recognize Reverse Mortgage benefits. Now, you rarely see Mike without a smile in his face.  He says, “Helping my clients obtain financial independence is my passion.”


What do Clients think about Mike Kirkland?

“I am pleased to recommend Mike Kirkland to any senior looking for financing needs.  I worked with him to acquire a reverse mortgage.  Even though my personal issues concerning my mother’s death and my role as her executrix affected the process, Mike was supportive and professional.  I am delighted to recommend Mike to anyone interested in securing a reverse mortgage.”

Becky M.

 “Getting a mortgage on your home can sometimes be very stressful, especially if you are applying for a reverse mortgage.  FHA loans have more rules and regulations than a conventional loan.  I was referred to Mike Kirkland by a Realtor friend.  Throughout the process Mike was always there to help me understand everything and to guide me through any problems. 

I think I would have given up if it hadn’t been for Mike’s guidance.  I highly recommend Mike when you need to get a loan. 

Victoria L.


What do Business Partners think about Mike Kirkland?

“I have known Mike Kirkland for more than 35 years.  His experience as a C.P.A (retired), a Realtor, and his career in lending, specializing in Reverse Mortgages, makes him invaluable to anyone seeking financial advice, particularly senior citizens.”

Jane Holmquist, Realtor

 “I have a recommendation for Mike Kirkland, reverse mortgage expert.  I referred a senior friend of mine to Mike to explore the possibility of a reverse mortgage.  Due to complex issues, such as the death of her son, permit issues on structures located on the property and a multitude of other problems, it took almost two years to complete.  Mike demonstrated emotional agility, resilience, patience of Job and a skill set like I have never seen in any professional dealing with senior citizens.  He is steadfast and true, never wavering.”

Rodell Hinshaw, Realtor

“I have known Mike professionally for the past 5 years. Mike is a trusted professional throughout our business network.  I have attended his workshops and find his knowledge of the reverse mortgage industry exceptional.”

Nancy Lawrence, Notary Public

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