The Harmes Father-Daughter Team

Scott and Christina Harmes are a very unique and effective Father-Daughter team. The Harmes Team takes a family-oriented view of business and loves meeting with other families to discuss their needs. Together, Scott and Christina bring experience and the energy that makes the whole process smooth and easy for you.  Both Scott and Christina have earned the highest designation in the country for Reverse Mortgage, the Certified Reverse Mortgage Professional (CRMP) Designation. Only 157 individuals in the country hold this highly esteemed designation.


Scott Harmes, CRMP

Scott has 36 years of experience in Real Estate Brokerage, Mortgage Lending, and Reverse Mortgage.  He is a Real Estate Broker and one of only 157 Certified Reverse Mortgage Professionals (CRMP) nationwide, the highest designation in the reverse mortgage industry.

Scott holds a Bachelor of Science degree from Iowa State University in Business and Marketing with a minor in Industrial Engineering.  Having trained hundreds of real estate mortgage professionals in his career and closed thousands of transactions, Scott has bolstered his long & deep experience with today’s state of the art tools and the power of the nation’s largest mortgage broker C2 Financial. Financing drives real estate and he is an expert at structuring real estate transactions with mortgage financing that gives his clients the advantage of maximum leverage.

This combination of real estate and mortgage expertise and experience gives his clients incredible power to decide whether to sell their home, buy a different home, refinance, or use a Reverse Mortgage to release the equity in their home to enhance their retirement years.


Christina Harmes, CRMP

Christina has over 10 years of experience in Real Estate, Mortgage Lending, and Reverse Mortgages.  As one of only 157 Certified Reverse Mortgage Professionals (CRMP) nationwide, she has achieved the highest designation in the reverse mortgage industry at a very young age.

Getting an early start in her Father’s office in high school, Christina Harmes knows her way around real estate and mortgages. While earning her Bachelor of Science degree in Finance and Economics at SDSU she continued to work in her father’s office and gained the real-world experience where she could apply her education. She loves being able to help people find the right solution for their specific situation.

Christina believes it’s important to give back to the community. She spends every Saturday morning September through April in the cold Pacific Ocean coaching the Varsity Surf team for her Alma Mater High School, Academy of Our Lady of Peace, with a team of over 30 surfers.  She participates every year at a local Senior Center dressing up as Alice (Alice in Wonderland) to help MC the Annual Mad Hatter’s Tea Party and she is a founding member of the National Aging in Place Council San Diego Chapter. 

Christina will tell you her clients steal her heart; she loves helping seniors keep their independence, enhance their retirement plan, and stop worrying because they know they can retire with a solid plan enhanced by a reverse mortgage.