Retirement Loan Specialist
Meet
Larry Melton
I'm a native Oregonian with over 20 years in the mortgage industry. Since 2011, I've focused on senior clients, helping them, their families, and their financial advisors understand the benefits of a reverse mortgage.
A Focus On
Seniors Since 2011
Learn About Reverse Mortgages
I'm a native Oregonian with over 20 years in the mortgage industry. Since 2011, my focus has been on senior clients, helping them, their families, and their financial advisors understand the benefits of a reverse mortgage.
It can be scary making a major decision about one of your biggest investments, the place that means the most to you. My goal is that you become fully informed and make the right decision for you and your family, given your unique situation.
I'm upfront with all my clients about the advantages and disadvantages of a reverse mortgage. I realize it may not be right for everyone, and I encourage you to explore your options.
How I work with you
I aim to provide world class service from start to finish, and I'll talk you through each step of the process and answer any and all questions you have.
Upfront about the pros and cons
I'm upfront with all my clients about the advantages and disadvantages of a reverse mortgage, so you can decide with the full picture in front of you.
Never pressured
You should never feel pressured or steered into a loan that isn't right for you. If you sense pressure, feel free to shop around. It's your decision, and only you can decide what is right for you.
Your family and advisors included
You'll be left with a complete copy of all the documents to review with your trusted financial advisors, like a CPA or attorney, or with family members.
Beyond the office
I'm married 34 years with two daughters. When I'm not working, you'll find me doing one of these.
What my clients say
"I came in with questions and some uncertainty. As the process ended, I felt informed and at ease. I never felt rushed developing a sense of trust."
"Larry guided me through this complicated process with clarity, patience, and care with a high level of integrity explaining the process was manageable. I felt respected and supported."
"Larry & Sara Davidson responded to our questions/concerns quickly & thoroughly. Their team would push Fidelity & FHA to complete projects to meet our goals. Without their expertise, compassion & being able to communicate with the lender our loan would not have funded by 12/31/25. We would have walked away & cancelled."
"Larry's attention to detail, follow through and communication skills made the experience top-notch."
"Larry explained the process in detail regarding what was involved with a reverse mortgage as I was somewhat leery after hearing negative things about this type of loan over the years. I was pleasantly surprised with the changes that had been made to the reverse mortgage program over the past years so I had no problem going forward with the loan. Larry and Sara both worked to make the process as easy as possible and Larry made sure all the needed info for underwriter was transmitted to Sara in a timely manner. It was just a positive experience from day one. I would refer any friend to Larry if they needed to check out a reverse mortgage."
Let's Talk About
Your Options
Whether you're exploring for yourself, a parent, or a client, I'm happy to walk you through the numbers and answer every question.