ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a reverse mortgage specialist in Merced? Review the directory below to compare your options.
15 agents listed
Updated May 2026
Merced, 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 15 reverse mortgage specialists in Merced, 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.
Robert J Dylina Home Loans
3313 M St, Merced, CA 95348
2092330121
Capstone Mortgage Group Inc.
2803 G St, Merced, CA 95340
2092612679
Simranjit Singh
139 W El Portal Dr STE C, Merced, CA 95348
2092769688
LeaderOne Financial Corporation
3061 College Green Dr Suite B, Merced, CA 95348
2095804464
Halo Mortgage
2750 G St Suite E-3, Merced, CA 95340
2096000510
Kenneth Crawford | Branch Manager | Primary Residential Mortgage, Inc.
388 E Yosemite Ave #200, Merced, CA 95340
2097259405
Primary Residential Mortgage, Inc.
1180 W Olive Ave STE G, Merced, CA 95348
2097259405
Justin Collins - Loan Officer NMLS# 305729
53 W Alexander Ave, Merced, CA 95348
2097612542
AJ Vasquez - Home Loans - NMLS# 1654160
3061 College Green Dr Suite B, Merced, CA 95348
2097776955
Chris Salazar - Loan Officer NMLS#2234775
53 W Alexander Ave, Merced, CA 95348
2096280378
Nathan Bell - Loan Officer
53 W Alexander Ave, Merced, CA 95348
2097779560
Ernesto Cortez
3061 College Green Dr Suite B, Merced, CA 95340
2092858068
American Financial Network
3313 G St suite a, Merced, CA 95340
2097695300
Dennis Nightengale
512 W 18th St, Merced, CA 95340
2092612679
Edward Walters | Branch Manager | Primary Residential Mortgage, Inc.
505 W 18th St suite a, Merced, CA 95340
2094255600
A reverse mortgage specialist in Merced, California helps homeowners aged 62 and older convert home equity into tax-free funds. California law requires mandatory counseling from a HUD-approved agency before you can apply for a Home Equity Conversion Mortgage (HCM). Specialists guide you through the process, including understanding loan terms and repayment obligations.
What Does a Reverse Mortgage Specialist in Merced 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), and third-party fees for appraisal, title search, and recording. Total closing costs usually range from $5,000 to $15,000, depending on the home value 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 are the eligibility requirements for a reverse mortgage in Merced?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The home must be your primary residence, and you must complete HUD-approved counseling. California law does not add extra age requirements beyond the federal minimum.
How does a reverse mortgage affect my heirs in California?
Heirs can keep the home by paying off the loan balance or selling the property. If the loan balance exceeds the home value, heirs are not personally liable for the difference due to non-recourse protections under federal law. California probate rules may apply if the estate goes through court.
Are reverse mortgage proceeds taxable in California?
No, reverse mortgage proceeds are considered loan advances, not income, so they are not taxable at the state or federal level. However, interest on the loan is not deductible until you pay it back. Consult a tax professional for your specific situation.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Merced who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.