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Meet the Best Reverse Mortgage Loan Officers

Reverse Mortgage Lenders in PA, CA, and FL

At Citizens Lending Group, our staff has a combined 50+ years in the loan industry of California, Florida, & Pennsylvania. We now specialize as reverse mortgage loan officers for senior citizens, though our experience includes everything from commercial loans and traditional home loans to Veterans Administration loans and FHA loans.

Our primary goal is consumer education. In our work, we emphasize providing reliable reverse mortgage information and take the extra steps to answer the most important questions for every one of our clients.

While gathering information is one of the most important steps in the reverse mortgage lending process, there is another key element that should never be missing: trust.

California, Pennsylvania, and Florida Reverse Mortgage Lenders

Consumers give us some of the highest recommendations among California, Florida, and Pennsylvania reverse mortgage loan officers, and our rating with the Consumer Business Alliance is AAA. We know that these great reviews are thanks to our honest, caring, and dedicated staff. Contact one of our representatives today to learn more about reverse mortgage requirements and to find out if a reverse mortgage is the right choice for you.

Expert Reverse Mortgage Loan Officers: Our Owners

  • Lance Schultz brings 25 years of experience to Citizens Lending Group, having worked with all types of loans: conventional, commercial, VA, FHA. His background includes a degree in economics, an MBA, and excellent customer ratings during his time with a large home-building company.

Contact Lance (NMLS #483675):
Direct - (800) 443-4042
Cell - (714) 404-7883
Fax - (877) 679-0894
Email - [email protected]


  • Jeff Krolosky also brings extensive experience to Citizens Lending Group. He has been a real estate broker in Orange County, California for 25 years. His background includes experience as a reverse mortgage loan officer, and facilitating all types of loans. His dedication to customers has helped Citizens Lending Group receive its AAA rating.

Contact Jeff (NMLS #291573):
Direct - (800) 480-6828
Cell - (714) 343-2643
Fax - (877) 679-0894
Email - [email protected]


Our Reverse Mortgage Loan Officers

  • Bill Simmons brings over 40 years of experience in the construction industry. As a reverse mortgage specialist he is dedicated to helping seniors stay in their homes and live a stress free life.

Contact Bill (NMLS #1525631):
Direct - (800) 544-7102
Cell - (909) 586-2729
Fax - (877) 679-0894
Email - [email protected]


  • Rick Cort brings decades of experience working for land development companies to the mortgage loan industry to help fellow seniors 62 years of age ad older with their financial needs through the FHA insured Home Equity Conversion Mortgage Program.

Contact Rick (NMLS #1284568):
Direct - (800) 339-1682
Cell - (951) 760-0454
Fax - (877) 679-0894
Email - [email protected]


Learn More About What Makes Us Reverse Mortgage Experts You Can Trust

Reverse Mortage Lenders in CA, FL, & PA

As some of the most experienced reverse mortgage loan officers, our professional experience totals more than 50 years in the loan industry in California, Florida, and Pennsylvania including working with traditional loans, commercial loans, FHA loans and Veterans Administration loans. However, our passion is in reverse mortgages, and we focus our efforts as reverse mortgage loan officers on loans for seniors 62 years old and older.

If you would like to learn more and find out if a reverse mortgage is right for you, we urge you to contact one of our professional reverse mortgage loan officers today to discuss this important financial decision. Remember, our goal is to educate you and provide the best information available. Only when you truly understand how this financial transaction works can you make an informed decision.

Contact us, your expert reverse mortgage loan officers in California, Pennsylvania, and Florida, today to learn more about reverse mortgages!

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California, Pennsylvania, and Florida Reverse Mortgage Lender

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