Ed Badrak is a reverse mortgage consultant in Normal Heights, San Diego, operating under Longbridge Financial, LLC (Company NMLS #957935) from 4713 Hamilton Street in the 92116 ZIP, with individual NMLS #302807 and Branch NMLS #2369412. Badrak specializes exclusively in FHA-backed Home Equity Conversion Mortgages (HECMs) and proprietary reverse mortgage products that function as jumbo alternatives for higher-value properties, working with senior homeowners on two primary strategies: aging in place by converting existing equity into tax-free cash flow, and right-sizing through a reverse-mortgage-for-purchase structure that uses a portion of sale proceeds from an existing home to buy a new property without a monthly mortgage payment. His veteran-owned practice reflects a U.S. Navy career that included Vietnam-era service, and the right-sizing purchase program involves full underwriting before the client enters escrow — a process Badrak coordinates with real estate agents, escrow officers, and insurance advisors along the Adams Avenue corridor including John Baker & Associates to ensure FHA-compliant offers close on schedule with proper homeowner coverage in place. Badrak moved to San Diego in 1978 and has since served on veterans' advisory committees at the request of five different members of Congress. Longbridge Financial's proprietary product extends beyond the FHA HECM lending limits, giving owners of higher-appraised homes in neighborhoods across Normal Heights and Kensington access to equity conversion without the ceiling that caps standard HECM proceeds. Estate planning firms along the same corridor, including The Law Offices of Michael J. Codner, frequently refer clients who initiate reverse mortgage conversations as part of retirement income planning. Each engagement begins with a HUD-required counseling referral and a loan comparison worksheet that itemizes origination fees, mortgage insurance premiums, and projected available proceeds against the borrower's specific property value and age.