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Find Reverse Mortgage Specialists Near You in Benicia, CA
Compare reverse mortgage specialists in Benicia. Review contact information and insurance categorys before you decide.
10 agents listed
Updated May 2026
Benicia, CA
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 California before hiring.
Showing 10 reverse mortgage specialists in Benicia, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Monica Jones - CrossCountry Mortgage, Inc.
177 Military E, Benicia, CA 94510
9252639522
Darlene Espinoza - CrossCountry Mortgage, Inc
177 Military E, Benicia, CA 94510
5108162904
Guaranteed Rate
555 First St #102, Benicia, CA 94510
7073925179
Portal Home Loans
281 E H St, Benicia, CA 94510
9255218860
Jennifer Wilson- GTG Financial, Inc.
1350 Hayes St Suite C7, Benicia, CA 94510
7072082459
American Pacific Mortgage - All California Mortgage
1090 Adams St STE L, Benicia, CA 94510
7074862860
CrossCountry Mortgage, LLC
177 Military E, Benicia, CA 94510
7073615500
Advanced Mortgage Services
615 First St, Benicia, CA 94510
7077487630
US Bank Mortgage
Benicia, CA 94510
7077454144
Chase Home Lending
802 Southampton Rd, Benicia, CA 94510
7073199788
A reverse mortgage specialist in Benicia, California helps homeowners aged 62 and older convert part of their home equity into tax-free funds without selling their home. California law requires that borrowers complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Benicia residents can use these funds for home improvements, medical expenses, or supplementing retirement income while remaining in their homes.
What Does a Reverse Mortgage Specialist in Benicia Cost?
Typical costs for a reverse mortgage in California include an origination fee (up to $6,000), third-party fees (appraisal, title, escrow, recording) ranging from $2,000 to $5,000, and a mortgage insurance premium of 2% of the home value upfront plus 0.5% annually. Closing costs in Benicia may be slightly higher due to local appraisal and title fees. These costs are usually rolled into the loan balance. 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 Benicia California?
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 meet FHA property standards. California also requires you to attend a counseling session with a HUD-approved counselor before you can apply.
How does California law affect reverse mortgage proceeds?
California law treats reverse mortgage proceeds as loan advances, not income, so they are generally tax-free. However, they may affect eligibility for means-tested benefits like Medi-Cal or Supplemental Security Income (SSI). Borrowers should consult a financial advisor to understand the impact on their specific situation.
Can a reverse mortgage be foreclosed in California?
Yes, if you fail to pay property taxes, homeowners insurance, or maintain the home, the lender can initiate foreclosure. California has a non-judicial foreclosure process that can be faster than judicial states. Borrowers have a right to cure the default within a specific timeframe, typically 30 days, before foreclosure proceeds.
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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 California.