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Find Reverse Mortgage Specialists Near You in El Centro, CA
Looking for a reverse mortgage specialist in El Centro? Review the directory below to compare your options.
15 agents listed
Updated May 2026
El Centro, 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 15 reverse mortgage specialists in El Centro, 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.
Legacy Real Estate and Home Loans
220 S 3rd St, El Centro, CA 92243
7605920979
PrimeLending, A PlainsCapital Company - El Centro
1503 N Imperial Ave Suite 101A, El Centro, CA 92243
7603371253
Daniel Torres Home Loans
1405 N Imperial Ave suite a, El Centro, CA 92243
7609608463
Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
7603363911
Edward Alcantar @ Efinity Mortgage
1409 W State St, El Centro, CA 92243
7605620448
Cornerstone First Mortgage: Eddie Cardenas
1379 N Imperial Ave, El Centro, CA 92243
7608865555
Braulio Ramirez - Loan Officer
428 N Imperial Ave, El Centro, CA 92243
6193712634
Guild Mortgage - Lisa Winkler
300 S Imperial Ave # 2, El Centro, CA 92243
2534606200
Mr. Mortgage Inc
1596 S Imperial Ave, El Centro, CA 92243
7603527000
IV Alliance Mortgage & Real Estate
395 Broadway, El Centro, CA 92243
7603700042
Guild Mortgage Company
300 S Imperial Ave # 2, El Centro, CA 92243
7609604246
Cesar Hernandez - Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
7603363911
Preferred Rate - El Centro
3205 S Dogwood Rd Suite B, El Centro, CA 92243
7609603524
Mortgage Broker/ Best Mortgage Lender- Edward "Eddie" Cardenas
1379 N Imperial Ave, El Centro, CA 92243
7608865555
Zinnia Sanchez
1409 W State St, El Centro, CA 92243
7605549606
A reverse mortgage specialist in El Centro, California helps homeowners aged 62 and older convert home equity into loan proceeds. California law requires lenders to provide counseling from a HUD-approved agency before a reverse mortgage can be finalized. This service is especially relevant for retirees in Imperial County looking to supplement their income while staying in their homes.
What Does a Reverse Mortgage Specialist in El Centro Cost?
Typical costs for a reverse mortgage in California include an origination fee of up to 2 percent of the first 200,000 dollars of the home value plus 1 percent of the amount above 200,000 dollars. FHA mortgage insurance premiums are 2 percent of the appraised value upfront plus 0.5 percent annually. Third-party costs like appraisal and title search can range from 500 to 2,000 dollars. 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 El Centro?
Borrowers must be at least 62 years old. For a couple, both spouses must meet this age requirement if they are both on the title. California law also mandates a three-day right of rescission after closing.
Do I need to own my home free and clear to qualify?
No, you can have an existing mortgage. The reverse mortgage must be in first lien position, so any existing mortgage must be paid off with the loan proceeds. You must also live in the home as your primary residence.
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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.