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American Pacific Reverse Mortgage Group, a division of American Pacific Mortgage Corporation NMLS #1850 : Licensed by the Department of Business Oversight Under the California Residential Mortgage Act. Equal Housing Opportunity. If you are at least 62 years old and own your own home, a reverse mortgage may be a useful financial tool. There are no limitations to how you use the money, so you can cover medical expenses, fund education for your grandchildren, or any other reason. With a reverse mortgage, you can access the equity in your home, without having to make monthly mortgage payments. Our goal is to give you accurate information that is easily understood.