Marty Appel

Marty Appel - Mutual of Omaha Mortgage

Marty Appel NMLS # 235426
Mutual of Omaha Mortgage
Specializing in Reverse Mortgages

Senior Situation:

I plan to stay in my home as long as possible. I’ve got some repairs to do but not enough savings to pay for them! How can I use my home equity to enjoy my retirement years without yet another monthly expense?


Senior Solution from Marty Appel:

Even if you have an existing home loan, if you are 62 or better, a reverse mortgage can give you monthly income you can use for any purpose. Whether you need cash to fix up your home, travel, or for home care, it pays to look carefully at all your options.


I work with clients who are looking to purchase a home, or refinance their existing mortgage into a reverse mortgage, or just get equity from their home. I have developed a specialty with over 16 years of experience in reverse mortgages. I pride myself on my ability to assist older homeowners in navigating the reverse mortgage process with ease and confidence. I help seniors improve their financial future and remain in their home. My technical knowledge of FHA rules and lender policies helps my clients avoid pitfalls in the loan process experience. My passion and longevity makes me an excellent source of valuable information about everything there is to know about a reverse mortgage. I would be happy to consult with you without obligation.

MEMBER: Marty Appel
SERVING: The San Francisco Bay Area
PHONE: 510-701-2167

ABOUT MARTY APPEL: Marty Appel joined Mutual of Omaha Mortgage to address and solve one of the most significant challenges facing the Baby Boomer Generation today … being financially prepared for retirement years.


Marty Appel is a well-known local expert and speaker on reverse mortgages. He has assisted countless older homeowners in enhancing their retirement years by helping them select the correct reverse mortgage program to meet their particular needs and goals. With his no-pressure, educational approach, Marty is an expert at helping his clients find the right solution that exactly meets their needs. Prior to his reverse mortgage career, he worked for 37 years with Chevron in Kentucky, Maryland, and the San Francisco Bay Area. He held various positions in Retail Marketing. Outside of work, Marty enjoys cooking, creating sculptures with hot glass, and growing beautiful orchids.


Marty says, “I absolutely love what I do! There are certain people who are right for certain jobs, and my job is just perfect for me! I specialize in Reverse Mortgages only, and I won’t do anything else!”


“After an unsuccessful attempt to do a reverse mortgage on our home, my wife and I were redirected to Marty Appel. Working with him was a completely different experience than the previous loan broker. Marty was timely, direct, and informative. He was extremely professional, explaining everything along the way. I would not hesitate to work with him again in the future should the occasion arise, and I would definitely recommend him to anyone considering a reverse mortgage.” David

“Just wanted to tell you how very much I appreciated all your help in accomplishing my reverse mortgage! I feel very fortunate that it was suggested I contact you by an officer at Wells Fargo Bank, who handled my mortgage and credit line. Our meetings initially were not only businesslike and your explanations very easy to understand, they were friendly and pleasant, like we had been friends for years. Any questions I had were promptly answered to my satisfaction.

“During the course of the all the procedures we were in contact by e-mail or telephone, again handling what needed to be done simply and efficiently. I couldn’t be happier with the way we worked together and how kind and considerate you were.

“I wish you the very best and thank you for making this rather difficult decision easier for me, since handling something of this magnitude without my husband was rather overwhelming. I couldn’t have been in better hands!

“I know if I have any further questions or want information, you’ll be there with answers for me. And I don’t think you’ve heard the last from me.” Joanne



Mutual of Omaha Mortgage has as its core values Integrity, Loyalty, Diligence, and Compassion. We are committed to educating retirees and their families on the value of a product that was created by the US Government during President Reagan’s term in office, The Home Equity Conversion Mortgage. The HECM was designed to utilize the equity in your home as a means to assist a peaceful and secure transition to one’s retirement years. Today many Financial Advisors are now realizing the value of this product as one of several financial planning tools.

Consider some of the benefits of reverse mortgages for people 62 and older:


  • Tap into existing equity by choosing regular monthly income automatically deposited into your account OR treat it like a credit line for big expenses as needed – with zero monthly cost
  • Downsizing homeowners can purchase a new home with 50% or less down payment and use a reverse mortgage for the balance
  • Convert a Home Equity Line of Credit (HELOC) to a reverse mortgage with no monthly mortgage payment
  • Provides funds to allow seniors to age in place – maintaining independence while living in their own home
  • Proceeds generally do not affect Social Security or Medicare benefits and are free of income tax
  • Spend the funds any way you choose – you can pay off debts, take a vacation, replace an old vehicle, make home improvements, or cover monthly living expenses

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