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Directory of reverse mortgage specialists in Prescott, Arizona. Verify credentials with the state mortgage licensing authority before hiring.
18 agents listed
Updated May 2026
Prescott, 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 18 reverse mortgage specialists in Prescott, 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.
Danell Riggs
325 W Gurley St #102, Prescott, AZ 86301
9284580507
Homeowners Financial Group
125 E Gurley St Suite 150, Prescott, AZ 86301
9282371886
Greg Riordan - Legacy Mutual Mortgage
325 W Gurley St #102, Prescott, AZ 86301
9284275156
Guild Mortgage - Sandra Collette
120 N Marina St Suite A, Prescott, AZ 86301
9289104153
Mill Mortgage LLC dba Bonelli Financial Group
3605 Crossings Dr suite a, Prescott, AZ 86305
4804261636
PrimeLending, a PlainsCapital Company - Prescott
122 N Cortez St Suite 308, Prescott, AZ 86301
9286153295
Guild Mortgage - Travis Smart
120 N Marina St Suite A, Prescott, AZ 86301
9282207673
Laurie Lawton Scott At Nations Lending - NMLS:203321
140 N Montezuma St Ste 103, Prescott, AZ 86301
6023292950
Smart Mortgage
1701 Emerald Dr suite d, Prescott, AZ 86301
9284459499
Guild Mortgage Company
120 N Marina St Suite A, Prescott, AZ 86301
9288005670
Fairway Prescott Team - Fairway Independent Mortgage Corporation
2971 Willow Creek Rd #2, Prescott, AZ 86301
9285150344
American Pacific Mortgage
1745 Rustic Timbers Ln Ste. G1, Prescott, AZ 86303
Reverse mortgage specialists in Prescott help homeowners aged 62 and older convert part of their home equity into tax-free funds. Arizona law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Specialists guide clients through the process, including property eligibility and financial assessment requirements specific to Arizona.
What Does a Reverse Mortgage Specialist in Prescott Cost?
Typical costs for a reverse mortgage in Arizona include an origination fee of up to 2% of the first $200,000 of home value plus 1% of the amount above $200,000. Third-party fees such as appraisal, title insurance, and recording fees range from $2,000 to $5,000. The upfront mortgage insurance premium is 2% of the appraised value. Annual mortgage insurance premiums are 0.5% of the loan balance. Costs vary by situation and lender. 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 Prescott Arizona?
Borrowers must be at least 62 years old. For a couple, both spouses must meet the age requirement to be listed on the loan. Arizona law follows federal HECM guidelines for age eligibility.
Is a home appraisal required for a reverse mortgage in Prescott?
Yes, a FHA-approved appraiser must assess the property value. The appraisal determines the maximum claim amount and loan proceeds. Prescott properties must meet FHA minimum property standards.
What happens to the loan when the last borrower leaves the home in Arizona?
The loan becomes due and payable. Heirs have 30 days to decide to pay off the loan or sell the home. Arizona law provides a 12-month extension period if heirs are working to sell or refinance.
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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.