ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find Reverse Mortgage Specialists Near You in Cave Creek, AZ
Browse reverse mortgage specialists serving Cave Creek, Arizona. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Cave Creek, 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 2 reverse mortgage specialists in Cave Creek, 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.
Brian Cardenas - Mortgage Broker @ UMortgage
4649 E Bajada Rd, Cave Creek, AZ 85331
4802337897
Achievers Mortgage, LLC
5107 E Lonesome Trail, Cave Creek, AZ 85331
6024874080
A reverse mortgage specialist in Cave Creek, Arizona helps homeowners aged 62 and older convert home equity into loan proceeds. Arizona law requires a mandatory counseling session with a HUD-approved counselor before you can apply. This type of loan does not require monthly payments as long as you live in the home and meet loan obligations.
What Does a Reverse Mortgage Specialist in Cave Creek Cost?
Typical costs for a reverse mortgage in Arizona include an origination fee (up to 2% of the home value, capped at $6,000), a mortgage insurance premium (2% of the appraised value upfront, plus 0.5% annually), and appraisal fees ($400 to $800). Closing costs usually range from $2,000 to $5,000. Costs vary by lender and loan type. 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 Cave Creek?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The home must be your primary residence, and you must complete a HUD-approved counseling session. Arizona law does not add extra state-specific eligibility rules beyond federal requirements.
How does a reverse mortgage affect my heirs in Arizona?
Heirs can repay the loan balance or sell the home to satisfy the debt. If the home is sold for less than the loan amount, the lender cannot pursue the heirs for the difference. Arizona is a non-recourse state, meaning the lender can only recover from the property value.
Are there any Arizona-specific protections for reverse mortgage borrowers?
Arizona requires lenders to provide a clear disclosure of loan terms and costs. Borrowers also have a three-day right of rescission after signing the loan documents. Additionally, Arizona law prohibits lenders from requiring you to buy other financial products as a condition of the loan.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Cave Creek who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.