Reverse Mortgages & Home Loans with Christopher Gibson at C2 Financial

Christopher Gibson is an independent mortgage broker based in West Seattle, Washington, who originates loans through C2 Financial Corporation. He is licensed in Washington, Colorado, Texas, Florida, and Michigan. Before moving into mortgage lending in 2020, he spent eight years as a real estate agent in Denver.

As a broker rather than a bank, he compares loan options from more than 30 wholesale lenders on a client’s behalf. His practice covers home purchases, refinancing, and reverse mortgages, and reverse mortgages are a stated specialty.

For older homeowners considering aging in place, Christopher offers several reverse mortgage options. These include the FHA-insured Home Equity Conversion Mortgage (HECM) for borrowers 62 and older, HECM for Purchase (which lets older adults buy a home with a reverse mortgage), and proprietary or “jumbo” reverse mortgages for higher-value homes.

The minimum age for proprietary programs depends on the state: 55 in Colorado, Florida, and Michigan; 60 in Washington; and 62 in Texas. His website explains how a reverse mortgage works, including the absence of a required monthly mortgage payment, the borrower keeping title to the home, the non-recourse protection on HECM loans, and the required HUD-approved counseling session. It also covers typical costs and state-specific property tax considerations. He also offers guidance comparing reverse mortgages with home equity lines of credit (HELOCs) and home equity investments.

In addition to reverse mortgages, Christopher arranges conventional, FHA, VA, and jumbo loans. He also offers a range of non-QM programs, including bank statement, asset-based, and DSCR investment property loans, which may suit self-employed or retired borrowers who qualify through assets rather than traditional income.

He is active in his local community and holds leadership roles with the Rotary Club of West Seattle and The Center for Active Living. Loan approval is not guaranteed and is subject to lender review. C2 Financial is not individually approved by FHA or HUD; it originates FHA loans through relationships with FHA-approved lenders. Please contact him directly for current rates, costs, and details about specific loan programs.

Aging In Place Services

• Reverse Mortgages
• Virtual Consultations

Training and Education

• Reverse mortgage certified through C2 Financial Corporation. Currently working toward the CRMP (Certified Reverse Mortgage Professional) designation.
• Licensed mortgage loan originator, NMLS #1910430, with C2 Financial Corporation (NMLS #135622). Licensed in Washington, Colorado, Texas, Florida, and Michigan.
• Specializes in reverse mortgages for older homeowners: FHA-insured HECMs for homeowners 62 and older, plus proprietary and jumbo reverse mortgages (some available from age 55). As an independent broker, compares reverse mortgage options across dozens of lenders rather than one company’s products. Every HECM client completes the required HUD-approved counseling with an independent counselor before applying.
• Former Denver real estate agent (2012–2020). Board Treasurer of The Center for Active Living, a West Seattle senior center.

Contact Information

Contact Person: Christopher Gibson
Email: c@chrisraygibson.com
Phone: 720-449-6622
Website: https://gibsonhomeloans.com/reverse-mortgages/

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