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Reverse Mortgage Specialists in Apache Junction, AZ
Directory of reverse mortgage specialists in Apache Junction, Arizona. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Apache Junction, AZ
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 Arizona before hiring.
Showing 4 reverse mortgage specialists in Apache Junction, AZ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Guild Mortgage Company
115 N Apache Trail # B, Apache Junction, AZ 85120
4809825626
Guild Mortgage - Chelsea Connolly
115 N Apache Trail # B, Apache Junction, AZ 85120
4806951606
Guild Mortgage - Kristina Hafer
115 N Apache Trail # B, Apache Junction, AZ 85120
4808786796
US Bank Mortgage
3061 Apache Trail, Apache Junction, AZ 85120
4804740717
Reverse mortgage specialists in Apache Junction help homeowners aged 62 and older convert home equity into tax-free funds without monthly mortgage payments. Arizona law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage HECM. Specialists in this area understand local property values and can guide clients through the unique requirements of Arizona real estate transactions.
What Does a Reverse Mortgage Specialist in Apache Junction Cost?
Typical costs for a reverse mortgage in Arizona include an origination fee up to 2% of the home value an upfront mortgage insurance premium of 2% of the appraised value and third-party fees for appraisal title and recording. Total closing costs often range from 5,000 to 15,000 depending on the home value and loan amount. Arizona law does not cap these fees but requires full disclosure in the loan estimate. 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 Apache Junction Arizona?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The property must be your primary residence and be a single-family home HUD-approved condo or manufactured home that meets FHA standards. Arizona law does not add extra age or residency requirements beyond federal HECM rules.
Do I need to attend counseling before getting a reverse mortgage in Arizona?
Yes Arizona law requires all borrowers to complete a counseling session with a HUD-approved counselor before applying for a reverse mortgage. This session covers loan terms costs and alternatives. You can find counselors online through the HUD website or by calling a local housing agency in Apache Junction.
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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 Arizona.