A Licensed Broker of Wholesale Reverse Mortgages Anywhere in California!

We can provide a complementary reverse mortgage consultation at your kitchen table if you are between Redding and Sacramento.  Although we appreciate the personal consultations, they can be done on the phone no matter where you live in California.

Cliff Johnsen, Broker/ Realtor

4137 Willow Landing Road Chico, Ca 95928


Call / text cell (530) 518-4322  

Office / message (530) 342-1665​​

Do you want the freedom to make choices about where to invest your time and money rather than the worry about making your next mortgage payment?

​​North Point Financial ​Owner/Broker Cliff Johnsen has been in the lending business for 40+ years, is retired from General Contracting, and has a Reverse Mortgage on his own home. He is an independent, wholesale broker for one of the nation's largest lenders. Click here to visit Cliff's Blog!  Here you will find more personalized information and evaluation of benefits. We offer low fees and costs for reverse mortgages in Chico, Sacramento and Redding areas, as well as anywhere in California.​​

North Point Financial                                                            Conventional and Reverse Mortgages in CA

​​​​​​​Thanks for visiting! At North Point Financial, we provide conventional and Reverse Mortgages. We are an independent, California based wholesale broker. As an Independent Broker, we can save you lots of money.  We provide the personal, caring,  service you deserve, with many of our consultations taking place at the client's kitchen table. Did you know you can buy a home with a reverse mortgage? Refinance with a conventional or reverse mortgage.

Our loans can be fully electronic applications, e-sign documents, and offer rates that are surprisingly LOW. Whether you are looking to purchase or refinance, North Point Financial is your best choice for fast, efficient, and helpful one-on-one consultations.

This web site deals mostly with  Reverse Mortgages, because that is where most people have so many questions. After browsing over the web site, make the decision to  contact us for a complementary  consultation and analysis of your situation.  We will explain in detail the process as it pertains to  you.

Our personal consultations can be done at your kitchen table, online, and by telephone. Please phone or email us with any questions that you have. Owner/Broker Cliff Johnsen has a reverse mortgage on his own house and more than 25 years of 
lending experience.  We are here to explain the Reverse Mortgage process.

(530) 342-1665

Call Cliff at (530) 342-1665
to schedule a Consultation

Offices at 4137 Willow Landing Rd, Chico Ca 95928    Phone: cell / text  530 518 4322 office / message 530 342 1665   

Fax:  530 342 4816   Email:  reversemortgagechico@gmail.com


At North Point financial, we offer the most advanced processing with minimal paperwork. FAST closings, all digital, and of course VERY low or NO fees.   WE process all loans in house, with no processing fees!!  Purchase loans with 1% down,  rates and fees that will please you, and the transparency you deserve. The lending industry is complicated and you can benefit with a Friend and Broker to help you choose the right path. Consultations are always complimentary, be it in person, on the phone or via email. 

Click here to read testimonials from satisfied clients who got a Reverse Mortgage through North Point Financial.