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Directory of reverse mortgage specialists in Laguna Niguel, California. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Laguna Niguel, 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 8 reverse mortgage specialists in Laguna Niguel, 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.
Chris Chudacoff / True Point Lending
28202 Cabot Rd #300, Laguna Niguel, CA 92677
9496332919
Network Lending Services
30131 Town Center Dr #180, Laguna Niguel, CA 92677
9497979188
Mortgage Moon
28202 Cabot Rd UNIT 100, Laguna Niguel, CA 92677
8003857590
Logical Home Lending
23807 Aliso Creek Rd #202, Laguna Niguel, CA 92677
3102835410
La Paz Mortgage INC
30131 Town Center Dr #177, Laguna Niguel, CA 92677
9497706067
Mortgage Grader
23807 Aliso Creek Rd #210, Laguna Niguel, CA 92677
9493899333
JDR Mortgage
30025 Alicia Pkwy #557, Laguna Niguel, CA 92677
9496309651
Capital Funding
28202 Cabot Rd #300, Laguna Niguel, CA 92677
9493655737
A reverse mortgage specialist in Laguna Niguel helps homeowners aged 62 and older convert home equity into tax-free funds. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage HECM. Laguna Niguel residents benefit from specialists who understand local property values and Orange County market conditions.
What Does a Reverse Mortgage Specialist in Laguna Niguel Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee up to 2.5 percent of the home value with a cap of 6000 dollars. Third party costs like appraisal title insurance and recording fees range from 2000 to 5000 dollars. HUD counseling costs about 125 dollars. These costs can be 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 Laguna Niguel?
Borrowers must be at least 62 years old. For married couples, both spouses must meet this age requirement if they want to be on the loan. California law also requires that the home be the primary residence.
Are there income or credit score requirements for a reverse mortgage in California?
Lenders do not require a minimum income or credit score for a reverse mortgage. However they do assess your ability to pay property taxes insurance and HOA fees. California law mandates a financial assessment to ensure you can meet these obligations.
Can I lose my home with a reverse mortgage in Laguna Niguel?
Yes you can lose your home if you fail to pay property taxes homeowners insurance or maintain the property. California law gives you a 30 day cure period to resolve defaults. You must also live in the home as your primary residence.
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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.