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Compare Reverse Mortgage Specialists in Oro Valley, AZ
Directory of reverse mortgage specialists in Oro Valley, Arizona. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Oro Valley, 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 6 reverse mortgage specialists in Oro Valley, 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.
Central Valley One, Inc
13305 N Rainbow Cactus Ct, Oro Valley, AZ 85755
8008190615
Tina Steele - Reverse Mortgage Specialist (Penny Lane Reverse)
1846 E Innovation Park Dr, Oro Valley, AZ 85755
5208612821
Vanguard Home Finance, LLC
1846 E. Innovation Parkway Drive, Oro Valley, AZ 85755
5202509420
Heather Hutchison at Guaranteed Rate Affinity (NMLS #171304)
11165 N La Cañada Dr Ste 175, Oro Valley, AZ 85737
5203296416
Tom Baeder at CrossCountry Mortgage
1335 W Lambert Ln Ste 165, Oro Valley, AZ 85737
2022218254
Robin Loomis - Reverse mortgage lender
7400 N Oracle Rd, Oro Valley, AZ 85704
5204404387
Reverse mortgage specialists in Oro Valley, Arizona help homeowners aged 62 and older convert home equity into tax-free funds. Arizona law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage HECM. Specialists guide clients through the process while ensuring compliance with state regulations and federal guidelines.
What Does a Reverse Mortgage Specialist in Oro Valley Cost?
Typical costs for a reverse mortgage in Arizona include an origination fee up to 2 percent of the home value capped at 6000 dollars, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees such as appraisal and title search ranging from 500 to 2000 dollars. Closing costs vary by lender and loan amount. 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 Oro Valley Arizona?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The property must be the primary residence and meet HUD minimum property standards. Arizona law does not impose additional age or residency requirements beyond federal HECM rules.
Are reverse mortgage proceeds taxable in Arizona?
Reverse mortgage proceeds are not considered income for federal or Arizona state tax purposes. They are loan advances, so they do not affect Social Security or Medicare benefits. However, interest on the loan is not deductible until the loan is repaid.
What happens to a reverse mortgage when the borrower dies in Arizona?
When the last borrower dies, the loan becomes due. Heirs have 30 days under Arizona law to decide whether to pay off the loan or sell the home. If the home is sold, any remaining equity after loan repayment goes to the estate.
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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.