Pinnacle Lending

Approved Lender for: Finance of America Reverse (AAG), Liberty and SmartFi



Enjoy Your Golden Years...Get Cash For Expenses|Help Your Grandkids|Buy A New Car|Maintain Your lifestyle|Anything you want!

If you're over 62 and own your home we can see if a reverse mortgage is right for you.

Reverse Mortgages For Seniors

Cash For Expenses

You can use a reverse to get monthly cash to fit your lifestyle

  • Good For
  • Pay monthly expenses
  • Help family, vacations, or whatever you choose
Learn More

Keep Your Home

With a reverse you can keep your home and still offer it to your heirs

  • Benefits
  • Stay in your home
  • Protection from going underwater
Schedule Consulation

Who Can Qualify?

You can your spouse must be at least 62 and own the home

  • Requirements
  • You and your spouse over 62
  • Own the home or can payoff with reverse
Apply Now

Welcome To Pinnacle Lending

We are here to help provide you with information and to help you decide if a reverse mortgage is the right solution for you! Please read through our website, use our reverse mortgage calculator and fill out our secure no-obligation to get started

How It Works

Reverse Mortgages are for home-owners 62 and over who use their homes equity to allow them to get a loan to help them with everything from help with day-to-day finances to helping a grandkd pay for college.

Benefits Of A Reverse Mortgage

With a reverse mortgage you can use your home's value to help you enjoy your golden years.

Use As You Want

Whether its help with monthly expenses, helping the grand-kids, vacation spend the money as you wish.

Multiple Cash Options

Depending on your needs you can get a lump payment, monthly payments, a line of credit or a combination.

Keep Your Home

You will be able to stay in your home and still leave it to your children!

Expert Service

We will review your needs and determine the best option to fit your needs.


See frequently asked questions and the answers and explanations

Our Satisfied Clients

Schedule Consultation

We can do a virtual or in person meeting to see examine your options.


Our team at Pinnacle Lending is fast, friendly, experienced and here to help you every step of the process!


Daniel Koski is the broker/owner of Pinnacle Lending. Dan has over 35 years of experience in real estate and mortgage lending. Dan has a vast experience in mortgage lending and has specialized in reverse mortgage lending for the last 15 years.

Connie Koski is the office manager and administrative support. Connie has over 30 years of experience and keeps the office running smoothly.

Our loan processors are assigned to your loan based on type and requirements. Our processing team is highly experienced and professional. They will assure your loan is accomplished to meet your goals.



The Pinnacle Lending Advantage

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Local Knowledge

We know the area and the market and we're part of your community, not a bot on the net :)

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Fast Processing

We work to close your loan as quickly as possible. We can even hit curveballs!

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Best Service

We offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.

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Utilizing Technology

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

The Pinnacle Lending Address

Contact Us:

Phone: (805) 878-3228

Address: 75 January Street
Nipomo, CA

Office Hours:

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed

Apply Now

Get started with our easy online application.