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Looking for a reverse mortgage specialist in Los Banos? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Los Banos, 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 Los Banos, 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.
Charter Home Loans
888 4th St, Los Banos, CA 93635
2098265544
HII Mortgage Loans Los Banos CA
212 San Lorenzo St # N, Los Banos, CA 93635
2095878181
Supreme Lending - Los Banos
249 W Pacheco Blvd STE C, Los Banos, CA 93635
2092623310
Chase Home Lending
550 K St, Los Banos, CA 93635
2014503406
A reverse mortgage specialist in Los Banos California helps homeowners aged 62 and older convert home equity into cash without monthly payments. California law requires a mandatory counseling session with a HUD-approved counselor before you can apply for a Home Equity Conversion Mortgage or HECM. Local specialists guide clients through the process and explain how property taxes and insurance must remain current.
What Does a Reverse Mortgage Specialist in Los Banos Cost?
Typical costs for a reverse mortgage in California include an origination fee of up to 2 percent of the home value capped at 6000 dollars, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal title and recording which total 1000 to 3000 dollars. Annual mortgage insurance premiums are 0.5 percent of the loan balance. Costs vary by lender and loan type. 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 does a reverse mortgage specialist in Los Banos do?
A specialist explains how a reverse mortgage works, helps you compare loan options, and coordinates with a HUD-approved counselor. They also assist with the application and closing process. In California, the specialist must follow strict disclosure rules under the California Financial Code.
Are there income or credit requirements for a reverse mortgage in California?
Lenders do not require a minimum income or credit score to qualify for a HECM. However they do a financial assessment to check if you can pay property taxes and homeowners insurance. California law requires lenders to set aside funds if needed to cover these costs.
How long does it take to get a reverse mortgage in Los Banos?
The process usually takes 30 to 45 days from application to closing. This includes the mandatory counseling session and a three-day rescission period after signing. Delays can occur if property appraisal or document collection takes longer.
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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.