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Bay Area Reverse Mortgage (BARM), a division of Holmgren & Associates, is the San Francisco Bay Area's premiere reverse mortgage lender. Located in the Montclair District of Oakland, Bay Area Reverse Mortgage serves the nine Bay Area Counties with a staff of over 20 loan officers and loan administrative personnel. We are licensed by the California Department of Real Estate (http://www.dre.ca.gov/) under license number 01057594.