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Compare reverse mortgage specialists in Cypress. Review contact information and insurance categorys before you decide.
5 agents listed
Updated May 2026
Cypress, 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 5 reverse mortgage specialists in Cypress, 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.
The Joe Soto Team - Home Loan Specialists
6101 Ball Rd Sutie 101, Cypress, CA 90630
7148201535
Eric Whitcomb at CrossCountry Mortgage
6101 Ball Rd # 101, Cypress, CA 90630
9493391946
Kinetic Mortgage
10073 Valley View St #403, Cypress, CA 90630
7147618187
Jenny Schippers at CrossCountry Mortgage, LLC
6101 Ball Rd # 101, Cypress, CA 90630
7148015715
US Capital Corp
5252 Orange Ave # 106, Cypress, CA 90630
7145535320
Reverse mortgage specialists in Cypress, California help homeowners aged 62 and older convert home equity into loan proceeds without monthly payments. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). These specialists can explain how a reverse mortgage may affect your estate, property taxes, and eligibility for Medi-Cal or other benefits specific to California.
What Does a Reverse Mortgage Specialist in Cypress Cost?
Typical costs for a reverse mortgage in California include an origination fee of up to 2% of the first $200,000 of the home value plus 1% of the amount above $200,000, with a cap of $6,000. Third-party fees such as appraisal, title insurance, and recording fees can range from $1,500 to $3,500. Mortgage insurance premiums are 2% of the appraised value upfront plus 0.5% annually. These costs are usually 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 Cypress California?
You must be at least 62 years old to qualify for a Home Equity Conversion Mortgage (HECM) in Cypress. All borrowers listed on the title must meet this age requirement. Spouses under 62 may have certain protections under California law but should discuss their situation with a specialist.
Do I need counseling before getting a reverse mortgage in California?
Yes, California law requires all borrowers to complete a counseling session with a HUD-approved counselor before applying for a reverse mortgage. This session must be completed within 180 days before your loan application. The counselor will explain the costs, benefits, and alternatives.
Can a reverse mortgage affect my property taxes in Cypress California?
Yes, you remain responsible for paying property taxes and homeowners insurance. In California, failure to pay property taxes can lead to a tax lien or foreclosure. The reverse mortgage does not pay these costs for you, so you must budget for them.
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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.