Fernande is the Broker and Vice President of California Reverse Mortgage Consultants. A graduate of Boston University's MBA program and the United States Military Academy at West Point, Fernande has been in the financial services industry for 20 years. Her extensive background in commercial real estate lending, insurance, consumer finance, and Reverse Mortgages contribute to her ability to understand her clients needs and desires. Through a Reverse Mortgage, Fernande is able to tailor a solution to the challenges experienced by her elder clients.

Every day I have the opportunity to help my clients enjoy their retirement years by erasing the worry and strain they feel from trying to make ends meet on a limited income. It is a wonderful feeling to help a Senior buy a home to be closer to their children. I particularly enjoy helping Senior homeowners increase their monthly income so they can afford to live a comfortable retirement in the home they raised their families. I am fortunate to have the best job in the world!

CA DRE# 01702360
NMLSR # 247070

Jill Gromm

Jill Gromm is an experienced mortgage professional specializing in Reverse Mortgages. Her mission is to educate the senior homeowner and provide safety, security and peace of mind with every loan. She is a trusted advisor who works very personally with each client to guide them through the complex loan process offering support before, during and beyond completion. She credits her success to her ability to listen to her client’s dreams, wishes and needs. Because of her years in the industry she can advise clients on a wide variety of options in order to select a solution that serves each clients best interest.

Jill has worked with the California Association of Health Facilities, a non-profit association serving California long term care providers, as a Retirement Program Specialist for the California Public Employees Retirement System, with city, county, and state employees to help them understand their retirement options and how they can make the most of their options and money.

She has consulted and counseled numerous groups and facilitated seminars for corporate America addressing the complex financial and emotional questions associated with retirement and elder issues. She brings clarity to the difficult decisions surrounding money, family and change of life issues.

In 1999 Jill moved to Santa Rosa, California where she resides with her husband and two children. Her combined experience in long term care, retirement planning, traditional mortgage and a caring personality make her a perfect fit for the Reverse Mortgage industry.

Jill has been published in The Press Democrat and North Bay Biz Magazine and advising readers on the benefits of reverse mortgage.

I have been originating reverse mortgage exclusively since 2006. I especially appreciate the evenhandedness with which the HUD formula is applied, without regard for credit score, or cash on hand. It gives me confidence and credibility when I know that I can extend the same terms to all my clients, regardless of their personal finances, or credit background. I also appreciate the advantages of working with CRMC.

CRMC has no corporate debt. I am under no pressure to sell. Since we are a broker, and therefore not tied to any one lender, I am free to offer my clients the best possible terms to meet their needs. We are price competitive, offer a wide variety of products, and the finest service available anywhere. I always do business in person, slowly and with great attention to detail. My clients are well informed and relaxed. I never pressure a client to close a loan, or try to rush the process. My clients happiness is a direct reflection of the work I have done, and my work is a reflection of who I am. My family follows my career, and it is important to me that they see me in a good light as well, especially my children. As I tell my Son every day before school; Always act as if your Mother is watching you, do not do or say anything that would not make her proud of you. I approach my business the same way.