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Find Reverse Mortgage Specialists Near You in Lake Forest, CA
Compare reverse mortgage specialists in Lake Forest. Review contact information and insurance categorys before you decide.
12 agents listed
Updated May 2026
Lake Forest, 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 12 reverse mortgage specialists in Lake Forest, 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.
theLender
25531 Commercentre Dr, Lake Forest, CA 92630
8333818733
AdvantageFirst Lending
2 S Pointe Dr Suite 200-235, Lake Forest, CA 92630
8889664892
First Rate Lending
23101 Lake Center Dr #355, Lake Forest, CA 92630
9492159400
Access Home Lending LLC
23832 Rockfield Blvd Ste 235, Lake Forest, CA 92630
8663385500
Homeland Financial Network, Inc
2 S Pointe Dr # 245, Lake Forest, CA 92630
8667845164
Rob Innerarity | LoansDirect
25182 Miles Ave, Lake Forest, CA 92630
7143579920
THM Mortgage, LLC
26632 Towne Centre Dr # 300, Lake Forest, CA 92610
9493715799
Hometown Equity Mortgage, Llc
25531 Commercentre Dr #250, Lake Forest, CA 92630
8444163146
Today's Home Mortgage
27 Orchard Rd #111, Lake Forest, CA 92630
8003961496
Dane Residential Mortgage
21066 Sharmila, Lake Forest, CA 92630
9495847590
Lee Mortgage Advisors
22996 El Toro Rd, Lake Forest, CA 92630
9492740984
Franklin Advantage
2 S Pointe Dr STE #110, Lake Forest, CA 92630
8003145626
Reverse mortgage specialists in Lake Forest, California help homeowners aged 62 and older convert part of their home equity into loan proceeds. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). These specialists guide clients through the process, including understanding loan terms, repayment obligations, and the impact on heirs.
What Does a Reverse Mortgage Specialist in Lake Forest Cost?
Typical costs for a reverse mortgage in California include an origination fee (up to $6,000), a mortgage insurance premium (2% of the home value upfront plus 0.5% annually), appraisal fees ($400 to $600), and closing costs ($2,000 to $5,000). These costs are usually financed into the loan. Actual amounts vary by loan type, home value, and lender. This is general information, 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 Lake Forest?
Borrowers must be at least 62 years old. For a HECM loan, all titled homeowners must meet this age requirement. The home must also be the borrower's primary residence.
Do I need counseling before getting a reverse mortgage in California?
Yes, California law and federal HUD rules require all borrowers to complete a counseling session with a HUD-approved counselor. This session covers loan costs, alternatives, and financial implications.
What happens to the loan when I move or sell my home in Lake Forest?
The loan becomes due when you sell the home, move out for more than 12 consecutive months, or pass away. You or your heirs must repay the loan balance, typically from the sale proceeds.
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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.