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.
Browse reverse mortgage specialists serving Carlsbad, California. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Carlsbad, 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 20 reverse mortgage specialists in Carlsbad, 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.
MortgageOne, Inc.
2714 Loker Ave W #300, Carlsbad, CA 92010
7606076006
DG Funding
1932 Kellogg Ave, Carlsbad, CA 92008
8773282285
Bluefire Mortgage Group
2121 Palomar Airport Rd Suite 150, Carlsbad, CA 92011
7609300569
RealMortgage
2173 Salk Ave Suite 250, Carlsbad, CA 92008
8884438902
Mission Pacific Mortgage
2888 Loker Ave E Suite 110, Carlsbad, CA 92010
7604384111
Scott Swartz @ Loan Advisor Group
2011 Palomar Airport Rd, Carlsbad, CA 92011
8583428898
Dan Chapman
1265 Carlsbad Village Dr #200, Carlsbad, CA 92008
7604540914
Katie Burciaga PGS Home Loans
5731 Palmer Way suite d, Carlsbad, CA 92010
7147461002
Josh Jelsing at PGS Home Loans
5731 Palmer Way suite d, Carlsbad, CA 92010
8584429667
StreicherTeam Home Loans
3586 Seaview Way, Carlsbad, CA 92008
7608059338
Reverse Mortgage-Christina Harmes Group
3207 Grey Hawk Ct # 110, Carlsbad, CA 92010
6199933882
Lineage Lending
1902 Wright Pl #200, Carlsbad, CA 92008
8582320592
David Todd - Reverse Mortgage Specialist in San Diego CA
5860 Owens Ave STE 100, Carlsbad, CA 92008
8008498515
Russell J. Cox - Mortgage Max
1015 Chestnut Ave, Carlsbad, CA 92008
7605472080
Alex Covarrubias- West Capital Lending
5740 Fleet St #120, Carlsbad, CA 92008
7607072085
Reverse Lending Solutions
2038 Corte Del Nogal #137, Carlsbad, CA 92011
7605792228
Robert Ianniciello | Barrett Financial Group, L.L.C.
3207 Grey Hawk Ct # 110, Carlsbad, CA 92010
7602717550
Jessica Advocat Mortgage Broker
5740 Fleet St, Carlsbad, CA 92008
9495367711
California Reverse Mortgage Specialists
1735 Mallow Ct, Carlsbad, CA 92011
7603616921
Lineage Lending Reverse Mortgage
1902 Wright Pl #200, Carlsbad, CA 92008
8007214546
A reverse mortgage specialist in Carlsbad California helps homeowners aged 62 and older access home equity without monthly payments. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage. Carlsbad residents can use these loans to supplement retirement income or cover home improvements while remaining in their homes.
What Does a Reverse Mortgage Specialist in Carlsbad Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee capped at 2 percent of the first 200,000 dollars of home value plus 1 percent of the amount above that. Upfront mortgage insurance premium is 2 percent of the appraised value. Appraisal fees range from 400 to 800 dollars. Other costs include title insurance and recording fees. Total closing costs often range from 5,000 to 15,000 dollars but can be rolled 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 eligibility requirements for a reverse mortgage in Carlsbad California?
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 FHA property standards. California also requires completion of a HUD-approved counseling session before loan approval.
How does California law affect reverse mortgage proceeds?
California law does not tax reverse mortgage proceeds as income. Borrowers retain title to the home and must continue paying property taxes and homeowners insurance. The loan becomes due when the last borrower moves out or passes away.
What costs are involved with a reverse mortgage specialist in California?
Costs include an origination fee up to 2 percent of the home value, a mortgage insurance premium of 2 percent upfront plus 0.5 percent annually, and appraisal fees typically between 400 and 800 dollars. Closing costs vary by lender and loan amount.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Carlsbad 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 California.