I can help you with a Reverse Mortgage

"Everything went exactly as Jim said they would. One really can't ask for better customer service than that." -Robert G.

"Jim Murtha made our loan process fast, easy and explained everything as we went." -Jennifer K.

"I want to take this opportunity to express my gratitude and appreciation for the outstanding assistance that was provided to me by Mr. Jim Murtha." -Judith

"Jim Murtha was very professional, extremely efficient communicating all information with the client. The process was very fast - two weeks. Mortgage status was updated daily."  -Irene Allen


1.) Worked closely with Ed & Terrie Zehrung to provide Reverse Mortgage for Terrie’s parents in Mission Viejo, CA


Thinking Reverse Mortgage? Jim Murtha and Franklin Advantage, Inc. are the professionals to use!  No hesitation!  Just do it!

We have owned our own Real Estate Company for 32 years and so as you can imagine we have worked with all different kinds of Loan Representatives and Companies…hundreds of them.

We have NEVER had such an energetic, compassionate, caring and professional Representative to work with as Jim Murtha.  He stayed engaged and on top of every aspect of the deal from the very first contact to our closing...in fact he has stayed in contact ever since.  What a guy!

Ed and Terrie Zehrung
EZ, LLC Real Estate Company


2.) Borrower was in foreclosure -  Saved her home!


Thank you so much for all your help in getting my loan for me. I needed the loan done fast and you (Jim Murtha) went the extra mile and than some to see that it got done on time.

I will refer you to any of my friends and will know that they are in good hands with Jim Murtha. St. Jude answered my prayers when I was put in touch with you (Jim Murtha and Franklin Advantage, Inc.)

Always, Terry O


3.) Other lenders told Phyllis they could not do her Reverse Mortgage

I am writing this as to our experience in obtaining a reverse mortgage.

My husband & I were a bit reluctant in that we didn't know all the pros & cons. but when we met Jim Murtha of Franklin Advantage we we thoroughly informed and educated of each and every step. Jim has been in this business for years & works with seniors to put their minds at ease. He is a man of integrity; very kind, patient & thoughtful.

We are very grateful that we found someone so knowledgeable to obtain our reverse mortgage. We would recommend Mr. Jim Murtha to any one interested in this process..

Ben & Phyllis Singley


4.) Serious Deadline - Condo Approval was Expiring and we had to close before expiration date or no loan!

Hi Jim Murtha,

I just wanted to personally thank you for all your help in getting my reverse mortgage handled. We were on such a time crunch that I thought there was no chance of you getting it through before the deadline but you obviously worked very hard to make it happen. I appreciate all the information and attention you gave to every detail and the people you work with were all so professional.

Thanks again Jim. I am sleeping much easier these days.



5.) Borrower Separated - Handled property settlement / revocable trust

Jim Murtha processed a reverse mortgage on the house I've lived in for 18 years. My financial situation was precarious and I knew I had to do something. I had heard of reverse mortgages but had dismissed them as too expensive, too risky, and I just didn't understand them. Jim Murtha was very patient and helpful. He explained the entire process to me several times, making sure I understood everything as we went along.

This deal was especially time consuming and labor intensive as it involved a marital separation and taking properties in and out of trusts. Throughout the entire process, Jim was professional, courteous, and kept his sense of humor. He is also very knowledgeable about mortgages and real estate markets. The entire deal was processed quickly despite the unusual obstacles involved.

I highly recommend Jim Murtha’s services to anyone interested in obtaining a reverse mortgage. This deal has made all the difference in my financial situation and peace of mind.

Thanks, Carol


6.) Professional Referral


I HIGHLY recommend James (Jim) Murtha as a Reverse Mortgage Lender and Senior Loan Specialist.

I have had the distinct honor of working with Mr. Murtha, as the Reverse Mortgage closing Notary Public, for over 6 years, and have found his excellent care, concern and professionalism, in the service of each and every "Senior" client, to be most evident!!

Mr. Murtha is attentive, thorough and, above all, DEDICATED to his borrowers!! You are in EXCELLENT hands, with "Jim" as your Reverse Mortgage Lender!

Kathy Bray
Notary Public


7.) Professional Referral


Jim is an honest, hard working loan professional.

I own an Insurance Agency and have referred customers to Jim, we have known Jim for over 10 years, he’s Reliable, honest, high integrity.  


Chris Plummer
Unity One Insurance
CA License # OC79860
949-450-1822 Or 888-683-5777 - Office
629 Camino De Los Mares # 308A
San Clemente CA 92673


I'm ready to help you!

Please call me toll free at (888) 261-5990

Jim Murtha


Jim Murtha

Hi, I'm Jim Murtha and I'm here to help you. Here's some information about me:

  • A Senior HELPING Seniors
  • A Reverse Mortgage Counselor / Specialist
  • Will assist you and answer your questions.
  • NOT a salesman and will not sell you anything.
  • My goal: Help you determine if the FHA Insured EQUITY Loan created only for Seniors will be beneficial to you now and in the future.

Best regards,

Jim Murtha

(888) 261-5990


Area Map for Reverse Mortgage Southern California



Franklin Advantage, Inc.
2 South Pointe Ste. 248
Lake Forest, CA  92630