Reverse Mortgage Company in Sacramento
Meet Rick Neal
Rick Neal
Reverse Mortgage Specialist
NMLS #1887930
(916) 232-4339
Sacramento California Reverse Mortgage Broker
Rick Neal and Back 9 Reverse Mortgage are one of the most qualified and reliable teams to talk with about reverse mortgages in Sacramento – that includes Roseville, Rocklin and anywhere in Placer County or the Sacramento area.
Rick focuses exclusively on reverse mortgages and is an expert in the business.
During a 30-year career selling medical devices and working with neurosurgeons, Rick developed keen attention to detail, the ability to navigate complex situations and a deep sense of empathy for patients facing critical health issues.
His background in that field enabled him to approach financial decisions with similar precision and care, ensuring seniors receive the personalized and thoughtful guidance they need during such an important phase of their lives.
Rick says education about reverse mortgages is the key to understanding the many benefits that one can provide and he looks forward to discussing them with you!
“I believe that integrity, communication, efficiency and speed give me the ability to develop the best financial program for each client,” Rick says.
“It is my goal to provide objective advice and superior customer service to all clients.?
“These?high ethical and professional standards make me a solid choice for you when selecting a reverse mortgage consultant.”
What is a reverse mortgage?
A reverse mortgage is such a simple yet effective financial tool that is ideally suited to senior homeowners who have equity in their home but are struggling with liquidity.
It literally works by reversing the flow of money in a mortgage from the bank back to you!
It instantly puts money back in the pockets of retirees while allowing them to continue living in their family home rather than face the brutal reality of having to sell to free up cash.
As long as you are 62 years of age or older, you are eligible to apply for this incredible product.
Homeowners can be paid in several different ways including a lump sum payment, monthly installments, a line of credit or even a combination of all three.
With money coming back into their hands, they can then think about all the different ways they would like to enjoy it – long overdue vacations, home renovations or simply spoiling their family are all again possible.
One of the best things about a reverse mortgage is that as long as the terms are met, there is no need to repay it until either the homeowner sells the residence or the last surviving borrower passes away.
The average price of properties in Sacramento had dropped down $483,502 representing a slight drop of 2.7% over the last year (https://www.zillow.com/home-values/20288/sacramento-ca/)*.
An incredible 2,598 Long Beach house owners already own a reverse mortgage with 108 buying one in the last 12 months alone*.
About Sacramento, California
Sacramento, California, is a vibrant and historic capital city nestled at the confluence of the Sacramento and American Rivers. Known for its rich Gold Rush legacy and modern-day cultural dynamism, Sacramento beautifully blends historical charm with contemporary urban living—making it a compelling place to call home.
Downtown Sacramento is anchored by the iconic State Capitol, surrounded by lush Capitol Park, and steps away from Old Sacramento. This recreated Gold Rush-era district boasts wooden sidewalks, historic storefronts, and riverfront charm, offering a delightful stroll through the city’s past. Beyond the history, Sacramento has evolved into a hub for arts and culture, with renown venues like the Crocker Art Museum, the B Street Theatre, and the thriving Midtown arts district with murals, galleries, and boutique cafes.
Outdoor and recreational options abound. The city's extensive network of parks—including William Land Park and Discovery Park—offers green space for jogging, picnics, and leisurely weekends. The American River Parkway provides scenic trails for biking, walking, and kayaking, perfect for nature lovers and families alike. With mild Mediterranean weather, Sacramento’s outdoor lifestyle is enjoyed nearly year-round.
As a reverse mortgage loan officer serving Sacramento, I understand the financial goals of homeowners in this vibrant and history-rich community. Whether you're looking to access your home equity to support retirement, enhance your lifestyle, or simply gain greater financial peace of mind, I’m here to provide expert, personalized guidance. In a city where heritage meets growth and mid-sized charm meets big-city opportunity, your home can be a powerful key to unlocking your next chapter.
Contact your Sacramento reverse mortgage lender today.
Rick and his Back 9 team are excited to talk with anyone in the Sacramento area who thinks a reverse mortgage might be the answer to their prayers and greater financial security.
Please call Rick at (916) 232-4339 for a no-obligation assessment of your position.
*As of September 2025
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