Mary-Alice's Headshot

Mary-Alice Cárdenas

Your local Reverse Mortgage Advisor

NMLS# 468646

San Francisco, CA

(415) 233-1007

Contact Me

Mary-Alice Cárdenas

Your local Reverse Mortgage Advisor

NMLS# 468646

San Francisco, CA

Mary-Alice Cárdenas has helped over a thousand seniors remain in their homes through reverse mortgages. Having worked with financial and estate planners, bankers, certified public accountants, and senior care advocates, Mary-Alice’s successes since 2005 draws on professional experience in senior care and real estate. She holds a Master’s degree in Public Health and has an extensive background in senior healthcare. She values older adults and their experiences, saying, “It’s rare that I don’t learn something from my clients, which helps me live a more meaningful life.” Her background with, and deep caring for, older Americans has made her a respected reverse mortgage specialist. Mary-Alice is proud of her Spanish heritage and is bilingual, providing added value to clients, and has a vested interest in all past and new clients. She enjoys learning about family origins and keeping in touch with past clients to learn how an RM has improved and changed their lives.

More About Me

In addition to being your local agent, I enjoy:

  • Traveling and learning alongside of her son, O’Neill
  • Walking, meditating, biking, swimming, and journaling
  • Spending time with parents and siblings who I am blessed to have alive

Recognitions and Certifications:

  • Master’s in Public Health
  • Former Board Member of SF FPA
  • Member of the Marin county Estate Planning council
  • Completed Ironman Brazil and Ironman Coeur-de lane

Did You Know?

Reverse mortgages are a safe and strategic solution for homeowners in or nearing retirement to live more comfortably and be better financially prepared for the future.

Pay off an existing mortgage or home equity loan

Reduce monthly expenses

Buy a home that matches your needs and dreams in retirement


of households comprised of people who are age 65 are “at risk” of not having enough funds to maintain their standard of living during retirement. And using a reverse mortgage can reduce that risk.1

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What our borrowers are saying

Mary-Alice helped make the process painless, and explained the truths and myths about reverse mortgages. She made the process easy. Mary-Alice stayed in touch after the loan closed to make sure we understood our statements. It wasn’t just a transaction to her. She really cared about our well-being."


Verified FAR Borrower

Mary-Alice and I had a three-way conversation with my financial advisor, and he said, ‘Go for it.’ As soon as it became obvious that (a reverse mortgage) was the thing I should do, I just felt that big load slide off my back. My friend is a tough one, and he asked all the right questions, and Mary-Alice came through with shining colors.”


Verified FAR Borrower

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A reverse mortgage gives you the power to unlock the equity built up in your home while you continue to live in it.

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Mary-Alice Cárdenas

Reverse Mortgage Advisor