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Directory of reverse mortgage specialists in Anniston, Alabama. Verify credentials with the state mortgage licensing authority before hiring.
13 agents listed
Updated May 2026
Anniston, AL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Alabama before hiring.
Showing 13 reverse mortgage specialists in Anniston, AL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Kinsmith Finance
501 Quintard Ave # 5, Anniston, AL 36201
2562352222
Heights Finance
309 S Quintard Ave d, Anniston, AL 36201
2562353024
Security Finance
309 Quintard Ave APT G, Anniston, AL 36201
2562409770
LendNation
501 Quintard Ave Ste 9 & 10, Anniston, AL 36201
2562378755
Tower Loan
3210 McClellan Blvd, Anniston, AL 36206
2562417010
Atlantic Bay Mortgage Group - Anniston AL
1430 Leighton Ave, Anniston, AL 36207
2568622122
The Whitmore Mortgage Group Powered By Success Mortgage Partners
429A Quintard Ave Ste 1, Anniston, AL 36207
2056573814
Anniston Finance
1025 Noble St, Anniston, AL 36201
2562384333
Providence Mortgage
311 E 11th St, Anniston, AL 36207
2562250010
Jackson Mortgage Company Inc
1119 Leighton Ave, Anniston, AL 36207
2562375177
Martha Elizabeth Crawford - Truist Mortgage Loan Officer
1111 Quintard Ave, Anniston, AL 36201
2564008281
Silverton Mortgage - Anniston
2115 US Hwy 78 E #2nd, Anniston, AL 36207
2567707168
Regions Mortgage
930 Wilmer Ave, Anniston, AL 36201
2562416400
A reverse mortgage specialist in Anniston, Alabama helps homeowners aged 62 and older convert home equity into loan proceeds. Alabama law requires borrowers to receive HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Anniston residents can use these funds for home repairs, medical expenses, or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Anniston Cost?
Typical costs for a reverse mortgage specialist in Alabama include an origination fee of up to 2 percent of the home value (capped at 6000 dollars), a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal, title search, and recording. For a 200,000 dollar home, total closing costs often range from 8,000 to 15,000 dollars. These costs are usually financed into the loan. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the eligibility requirements for a reverse mortgage in Anniston Alabama?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The home must be the primary residence and meet FHA property standards. Alabama law does not require a separate state license for reverse mortgage specialists, but they must follow federal HUD guidelines.
How does Alabama law affect reverse mortgage proceeds in Anniston?
Alabama does not tax reverse mortgage loan proceeds as income. The loan becomes due when the last borrower dies, sells the home, or moves out permanently. Borrowers must continue paying property taxes and homeowners insurance to avoid default.
What is the counseling requirement for reverse mortgages in Alabama?
Alabama requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session covers loan terms, costs, and alternatives. The counselor must be independent from the lender and cannot be a specialist selling the loan.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Alabama.