Your Loan Navigator

Dan Kapellen, Mortgage Loan Officer. Clarity
Before
Commitment.

Dan starts with the problem, not the product. He helps homeowners, home buyers and retirees make smarter mortgage and home equity decisions, with a focus on reverse mortgages and retirement lending.

HundredsOf Clients Helped
8 Five-StarGoogle Reviews
3 LendingCertifications
Dan!
Mortgage Loan Officer
NMLS #2302495 · FL LO102932
Problem First.
Then the Loan.
Licensed in
Florida
Dan Kapellen, mortgage loan officer in The Villages, Florida
ReverseMortgages
RetirementLending
Home Equity& Refinancing
Licensed inFlorida

5-Star Reviews

Real Stories. Real Results.

5.0 8 five star reviews on Google Read the Reviews

One year ago, I found myself in a financial crisis. By some miracle I attended a seminar on reverse mortgages. Dan Kapellen was the presenter. After I attended the seminar, I knew in my heart he was the person sent to me to help me out. Not only was he knowledgeable and thorough, somehow he was able to help me understand and figure out what exactly I needed. He came to my house several times and responded quickly to my phone calls and text messages. After receiving the reverse mortgage, I had other questions that arose. I was getting notices in the mail that I thought were related to my mortgage. He quickly advised me not to respond. Dan saved me from getting scammed. He was and still is my guardian angel. Being a widow and nervous about financial matters, I put all my faith in his guidance. I will be forever grateful.

Dan helped me with a Home Equity Loan to pay off a high interest rate RV loan. He knows his products well, communicates well, and helped us step by step through closing.

I've known Dan for over 6 years (through our local Chamber and networking groups). I have never met a man more dedicated in helping his clients and community. He is a true asset to our business community and networking family.

Video Testimonials

Hear From Real Clients

Client storySteve and Carol, The VillagesMet Dan at his free seminar and closed on a reverse mortgage
Client storyErin, Mt. DoraClosed on her reverse mortgage and says her future feels safe now
Client storyMike and PennyA refinance with updates almost every day

Featured Podcast Interview

Why Wealthy Retirees Use Reverse Mortgages at Age 55

Dan talks reverse mortgages and retirement with host Bill Gross. Watch the full interview on YouTube.

Watch the Interview
Why Wealthy Retirees Use Reverse Mortgages at Age 55 workshop replay

Now on Amazon

The Housing Wealth Advice That Retirees Never GetReal Stories and Smart Choices for Staying Secure at Home

The Housing Wealth Advice That Retirees Never Get

by Dan Kapellen (Author)Kindle & Paperback

#1 Amazon Best Seller in Mortgages (Kindle Store), February 2026

Grab your copy atamazon.com
Front cover of The Housing Wealth Advice That Retirees Never Get by Dan Kapellen Back cover of The Housing Wealth Advice That Retirees Never Get

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Who Dan Helps

The Right Loan for This Stage of Life

Retirees & Reverse Mortgages

Not sure if your home should play a role in your retirement? Dan explains what fits and what does not, before decisions feel urgent.

Book a Call

Home Equity & Refinancing

Thinking about using your equity or refinancing? Dan compares hundreds of lending programs to find the best fit for you.

Book a Call

Home Buyers

Buying a home? Dan starts with the problem, not the product, and compares programs to find the loan that fits you.

Book a Call
Dan Kapellen

Meet Dan

Your Loan Navigator. Author. Speaker.

Dan Kapellen is known as Your Loan Navigator. He starts with the problem, not the product. He helps homeowners, home buyers and retirees make smarter mortgage and home equity decisions, with a particular focus on reverse mortgages and retirement lending strategies.

He is a Certified Mortgage Advisor (CMA), Certified Reverse Mortgage Specialist (CREV) and Certified Veterans Lending Specialist (CVLS). With access to hundreds of lending programs, he compares options to find the best fit, not simply the easiest loan to sell.

Dan works mostly with seniors, retirees, widows, widowers and adult children facing housing and money decisions after income changes, health events or the loss of a spouse. He regularly presents on mortgages, reverse mortgages and housing wealth, and wrote The Housing Wealth Advice That Retirees Never Get. He lives in Florida with his wife, Connie.

Problem First
Hundreds of Programs
Clarity First

Ready for a Clarity Conversation?

A short conversation can help you understand what fits, and what does not, before decisions feel urgent. Book a time with Dan.