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Compare Reverse Mortgage Specialists in Gardena, CA
Compare reverse mortgage specialists in Gardena. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Gardena, 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 4 reverse mortgage specialists in Gardena, 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.
Blue Vista Mortgage
18321 S Western Ave # J, Gardena, CA 90248
3108180270
Inspire Home Loans - Gardena, CA
16921 S Western Ave UNIT 101, Gardena, CA 90247
3102172351
Mortgage America
18726 S Western Ave #406, Gardena, CA 90248
3109846638
Centsable Mortgage
1212 W Gardena Blvd, Gardena, CA 90247
3104641144
A reverse mortgage specialist in Gardena, California helps homeowners aged 62 and older convert home equity into loan proceeds. California law requires borrowers to complete mandatory counseling from a HUD-approved agency before applying. This service is available to residents of Gardena and the surrounding Los Angeles County area.
What Does a Reverse Mortgage Specialist in Gardena Cost?
Typical costs for a reverse mortgage in California include an origination fee (up to 2.5% of the home value), a mortgage insurance premium (2% upfront plus 0.5% annually), appraisal fees (around $400 to $800), and closing costs (usually 2% to 5% of the loan amount). For a $400,000 home, total upfront costs might range from $8,000 to $20,000. These costs are often 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 Gardena?
Borrowers must be at least 62 years old. For a Home Equity Conversion Mortgage (HECM) insured by the FHA, all borrowers listed on the title must meet this age requirement.
Do I need counseling before getting a reverse mortgage in California?
Yes, California law requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session covers loan terms, costs, and alternatives such as selling the home or a home equity line of credit.
Are reverse mortgage proceeds taxable in Gardena?
Reverse mortgage proceeds are generally not considered taxable income by the IRS or the State of California. However, interest on the loan is not deductible until the loan is repaid.
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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.