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Compare Reverse Mortgage Specialists in Florence, AZ
Directory of reverse mortgage specialists in Florence, Arizona. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Florence, 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 3 reverse mortgage specialists in Florence, 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.
Rich Garza, American Financial Network, Inc. N. Coronado, Florence, AZ 85132
4489 N Coronado Dr, Florence, AZ 85132
6024970865
Lender Express Mortgage
3281 N Hunt Hwy #111, Florence, AZ 85132
6026496495
US Bank Mortgage
3325 N Hunt Hwy, Florence, AZ 85132
8008722657
What Does a Reverse Mortgage Specialist in Florence Cost?
Typical costs for a reverse mortgage in Arizona include an origination fee of up to 2 percent of the first 200,000 dollars of home value plus 1 percent of the amount over 200,000 dollars. Third-party fees such as appraisal, title insurance, and recording fees range from 2,500 to 5,000 dollars. Mortgage insurance premiums are 2 percent of the appraised value upfront plus 0.5 percent annually. These costs are financed into the loan. 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 are the age requirements for a reverse mortgage in Florence Arizona?
Borrowers must be at least 62 years old. For a HECM loan, all owners listed on the title must meet this age requirement. Arizona does not have a state-specific age exception.
Do I need to own my home free and clear to get a reverse mortgage in Arizona?
No. You can have an existing mortgage, but the reverse mortgage proceeds must pay off that loan first. Arizona law does not impose additional equity requirements beyond federal HUD rules.
How does a reverse mortgage affect my heirs in Florence Arizona?
Heirs can repay the loan by selling the home or using other funds. If the loan balance exceeds the home value, heirs owe no more than 95 percent of the appraised value under federal rules. Arizona probate laws may apply if the estate is not settled within two years.
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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.