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Find Reverse Mortgage Specialists Near You in Muscle Shoals, AL
Browse reverse mortgage specialists serving Muscle Shoals, Alabama. Contact information and addresses listed below.
10 agents listed
Updated May 2026
Muscle Shoals, 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 10 reverse mortgage specialists in Muscle Shoals, 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.
World Finance
416 S Wilson Dam Rd, Muscle Shoals, AL 35661
2563893233
Heights Finance
320 W Avalon Ave Suite 6, Muscle Shoals, AL 35661
2562488990
1st Franklin Financial
320 W Avalon Ave Suite 2, Muscle Shoals, AL 35661
2563816635
OneMain Financial
3208 Woodward Ave STE B202, Muscle Shoals, AL 35661
2563834200
Credit Central
412 S Wilson Dam Rd, Muscle Shoals, AL 35661
2563860291
Lendmark Financial Services LLC
1901 Woodward Ave, Muscle Shoals, AL 35661
2562489585
CIS Home Loans
1110 E 6th St C, Muscle Shoals, AL 35661
2563142120
SouthPoint Bank Home Mortgage
1810 John R St c, Muscle Shoals, AL 35661
2569786757
PNC Mortgage
606 E Avalon Ave, Muscle Shoals, AL 35661
2567678893
Julie L Weldon - Regions Mortgage Loan Officer
700 E Avalon Ave, Muscle Shoals, AL 35661
2566279212
A reverse mortgage specialist in Muscle Shoals Alabama helps homeowners aged 62 and older access home equity without monthly payments. In Alabama, borrowers must complete a counseling session with a HUD-approved counselor before applying. The specialist can explain how local property values and Alabama lien laws affect your loan amount.
What Does a Reverse Mortgage Specialist in Muscle Shoals Cost?
Typical costs for a reverse mortgage in Alabama include an origination fee of up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal and title work. These costs often range from 3000 to 8000 dollars depending on the home value and loan type. This is general information and 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 does a reverse mortgage specialist in Muscle Shoals do?
A reverse mortgage specialist guides you through the application process for a Home Equity Conversion Mortgage or HECM. They explain eligibility requirements, loan terms, and how the loan affects your home ownership in Alabama.
Are there Alabama-specific rules for reverse mortgages?
Yes, Alabama law requires that the borrower receive counseling from a HUD-approved agency before the loan can close. The state also has homestead exemption rules that may affect property tax obligations after the loan is taken.
How long does it take to get a reverse mortgage in Muscle Shoals?
The process typically takes 30 to 45 days from application to closing. This includes the mandatory counseling session, property appraisal, and underwriting review required by Alabama and federal guidelines.
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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.