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Compare reverse mortgage specialists in Manteca. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Manteca, 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 Manteca, 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.
Joe Villegas at CrossCountry Mortgage
249 N Main St, Manteca, CA 95336
2096451366
Academy Mortgage Manteca
1215 W Center St #204, Manteca, CA 95337
2098234680
Guild Mortgage - Stephanie Remmen
1463 Moffat Blvd Suite 4 Office 2 & 3, Manteca, CA 95336
2094069749
Guild Mortgage - Jim Camara
1463 Moffat Blvd Suite 4 Office 2 & 3, Manteca, CA 95336
2099815626
Elite Financial
165 N Maple Ave # 60, Manteca, CA 95336
2096799966
Fairway Financial Mortgage
999 W Center St, Manteca, CA 95337
2092396764
Guild Mortgage Company
1463 Moffat Blvd Suite 4 Office 2 & 3, Manteca, CA 95336
2098234680
Golden State Real Estate And Mortgage Corporation
1765 Queensland Ave, Manteca, CA 95337
8052653260
A reverse mortgage specialist in Manteca, California helps homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Local specialists understand Manteca real estate values and can guide you through the process while protecting your interests.
What Does a Reverse Mortgage Specialist in Manteca Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee of up to 2 percent of the home value or $6,000, whichever is less. Closing costs such as appraisal, title insurance, and recording fees range from $2,000 to $5,000. The upfront mortgage insurance premium is 2 percent of the home value, and annual premiums are 0.5 percent. 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 Manteca?
You must be at least 62 years old to qualify for a reverse mortgage in California. All borrowers on the title must meet this age requirement. Spouses under 62 may have limited protections under HUD rules.
Do I need counseling before getting a reverse mortgage in California?
Yes, California law requires you to complete a counseling session with a HUD-approved counselor before applying. This session explains the loan terms, costs, and alternatives. You must receive a signed certificate of counseling.
Can I lose my home with a reverse mortgage in Manteca?
You can lose your home if you fail to pay property taxes, maintain homeowners insurance, or keep the property in good condition. California law also requires you to occupy the home as your primary residence. Noncompliance can lead to foreclosure.
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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.