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.
Compare reverse mortgage specialists in Cottonwood. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Cottonwood, 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 7 reverse mortgage specialists in Cottonwood, 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.
OneAZ Credit Union
601 AZ-89A Suite 1, Cottonwood, AZ 86326
9286497300
AZ LOANS - Cottonwood
960 S Main St, Cottonwood, AZ 86326
9286340818
The Trent Baxter Team at Synergy One Lending, Inc. - Sedona, Cottonwood, Prescott, Flagstaff
698 Cove Pkwy STE A, Cottonwood, AZ 86326
9288520401
Fairway Independent Mortgage Corporation
830 S Main St #1a, Cottonwood, AZ 86326
6024104197
Chad Aaron Burgueno | Fairway Independent Mortgage Corporation Loan Officer
830 S Main St #1a, Cottonwood, AZ 86326
9286345490
Northern Arizona Mortgage Corporation
707 E Mingus Ave # 601, Cottonwood, AZ 86326
9286344251
Chase Mortgage
1540 AZ-89A, Cottonwood, AZ 86326
9286345567
A reverse mortgage specialist in Cottonwood, Arizona helps homeowners aged 62 and older convert home equity into tax-free funds. Arizona law requires lenders to provide counseling from a HUD-approved agency before a reverse mortgage loan can close. Specialists in Cottonwood can explain how Arizona homestead protections apply to reverse mortgage proceeds.
What Does a Reverse Mortgage Specialist in Cottonwood Cost?
Typical costs for a reverse mortgage specialist in Arizona include an origination fee of up to 2% of the home value, a mortgage insurance premium of 2% of the appraised value, and third-party fees like appraisal and title search ranging from 500 to 1500 dollars. Closing costs often total 3000 to 8000 dollars depending on the loan amount and property value. 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 age requirements for a reverse mortgage in Cottonwood Arizona?
Borrowers must be at least 62 years old. For a couple, both spouses must meet this age requirement unless one is a non-borrowing spouse. Arizona law follows federal HECM guidelines for age eligibility.
Do I need counseling before getting a reverse mortgage in Arizona?
Yes. Arizona requires all reverse mortgage applicants to complete counseling with a HUD-approved independent counselor. This counseling must happen at least 7 days before the loan closing. The specialist can provide a list of approved counselors in Cottonwood.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Cottonwood 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.