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Compare Reverse Mortgage Specialists in Fair Oaks, CA
Compare reverse mortgage specialists in Fair Oaks. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Fair Oaks, 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 2 reverse mortgage specialists in Fair Oaks, 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.
Empire Home Loans, Inc.
4401 Hazel Ave #225, Fair Oaks, CA 95628
9168044768
Matt Keister The Loan Ranger
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628
9168787123
What Does a Reverse Mortgage Specialist in Fair Oaks Cost?
Typical costs for a reverse mortgage in California include an origination fee capped at 2 percent of the home value or 6,000 dollars, whichever is less. The upfront mortgage insurance premium is 2 percent of the appraised value, and annual premiums are 0.5 percent. Appraisal fees range from 400 to 600 dollars, and counseling fees are about 125 dollars. Total closing costs usually fall between 2,000 and 5,000 dollars, but these can be added to the loan balance. 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 Fair Oaks?
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 Federal Housing Administration property standards. California law also requires you to complete a HUD-approved counseling session before applying.
How does California law protect reverse mortgage borrowers in Fair Oaks?
California Civil Code Section 1923.5 gives borrowers a three-day right to cancel after signing. Lenders must provide a list of five HUD-approved counselors. The state also prohibits lenders from requiring you to buy other financial products with the loan.
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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.