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Find Reverse Mortgage Specialists in Modesto, CA

Browse reverse mortgage specialists serving Modesto, California. Contact information and addresses listed below.

20 agents listed
Updated June 2026
Modesto, 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 State Mortgage Licensing Authority of California before hiring.
Showing 20 reverse mortgage specialists in Modesto, 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.
Next Gen Home Loans
909 15th St #1, Modesto, CA 95354
(800) 544-8538 nextgenhomeloans.com
Academy Mortgage - Modesto
1001 Sylvan Ave Bldg B, Modesto, CA 95350
(209) 809-2312 academymortgage.com
Ed Parcaut - Mortgage Broker - Lending For Living
121 Rue De Yoe, Modesto, CA 95354
(209) 528-0509 edparcaut.com
Lending Assets
1356 Mitchell Rd Suite B, Modesto, CA 95351
(800) 408-9047 lendingassets.com
NorCal Mortgage
1127 13th St A, Modesto, CA 95354
(800) 579-3768 norcalmortgagepros.com
Josh Dobson - MortgageDadof3
1409 Standiford Ave Suite 1, Modesto, CA 95350
(209) 988-9284 mortgagedadof3.com
Alameda Mortgage Corporation
1101 Sylvan Ave suite c-102, Modesto, CA 95350
(209) 568-4941 amc-modesto.com
Sondra Yates, CrossCountry Mortgage
3001 Coffee Rd Suite 2 & 7, Modesto, CA 95355
(209) 495-3562 sondrayates.com
Victor Martinez- Next Gen Home Loans| Financing for All, Hablamos Español
909 15th St #1, Modesto, CA 95354
(209) 780-1015 vichomeloans.com
Cynthia Brackett - Almond Valley Group
1600 N Carpenter Rd C, Modesto, CA 95350
(209) 648-8991 almondvalleygroup.com
THE MORTGAGE DR
3421 Tully Rd Ste A, Modesto, CA 95350
(209) 210-1840 themtgdr.com
Ability Ambeck Mortgage
220 Standiford Ave Suites G & J, Modesto, CA 95350
(209) 521-4480 abilityambeckmortgage.com
Up Star Home Mortgage Inc.
2005 Evergreen Ave, Modesto, CA 95350
(209) 846-5188 upstarhomemortgage.com
IMS Lending
3421 Tully Rd Ste A, Modesto, CA 95350
(800) 936-3220 imslending.com
Carrollton Mortgage Co
3430 Tully Rd Ste 46, Modesto, CA 95350
(209) 526-6200 carrolltonmortgage.com
S/L Mortgage
509 Scenic Dr, Modesto, CA 95350
(209) 602-2109 slmtg.org
Sara Tubera
1301 L St Suite 1, Modesto, CA 95354
(209) 409-4550 thetuberateam.com
The Tubera Team
1301 L St Suite 1, Modesto, CA 95354
(209) 409-4550 thetuberateam.com
Pacific Coast Mortgage Advisors
515 Lyell Dr Suite 104, Modesto, CA 95356
(209) 529-7262
Franklin Loan Center | Erick Winchester
1101 Sylvan Ave Suite B-6, Modesto, CA 95350
(209) 345-3433 erickwinchester.com

What Does a Reverse Mortgage Specialist in Modesto Cost?

Typical costs for a reverse mortgage in California include an origination fee up to 2% of the first $200,000 of home value plus 1% of the amount above that, capped at $6,000. Other costs include a HUD counseling fee (around $125), appraisal fee ($400 to $600), title insurance, and recording fees. Total closing costs often range from $2,000 to $8,000 depending on 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 age and property requirements for a reverse mortgage in Modesto?
Borrowers must be at least 62 years old and own a single-family home, 2-4 unit property, FHA-approved condo, or manufactured home. The home must be the primary residence and meet FHA property standards.
Do I need counseling before getting a reverse mortgage in California?
Yes, California law mandates that all borrowers complete a HUD-approved counseling session before applying for a reverse mortgage. This session covers loan costs, alternatives, and financial implications.
How does a reverse mortgage affect my heirs in Modesto?
Heirs can keep the home by paying off the loan balance or selling the property. If they sell, any remaining equity after loan repayment goes to the estate. California non-recourse laws protect heirs from owing more than the home is worth.

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