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Directory of reverse mortgage specialists in Modesto, California. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 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 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
8005448538
Academy Mortgage - Modesto
1001 Sylvan Ave Bldg B, Modesto, CA 95350
2098092312
Ed Parcaut - Mortgage Broker - Lending For Living
121 Rue De Yoe, Modesto, CA 95354
2095280509
Lending Assets
1356 Mitchell Rd Suite B, Modesto, CA 95351
8004089047
NorCal Mortgage
1127 13th St A, Modesto, CA 95354
8005793768
Josh Dobson - MortgageDadof3
1409 Standiford Ave Suite 1, Modesto, CA 95350
2099889284
Alameda Mortgage Corporation
1101 Sylvan Ave suite c-102, Modesto, CA 95350
2095684941
Sondra Yates, CrossCountry Mortgage
3001 Coffee Rd Suite 2 & 7, Modesto, CA 95355
2094953562
Victor Martinez- Next Gen Home Loans| Financing for All, Hablamos Español
909 15th St #1, Modesto, CA 95354
2097801015
Cynthia Brackett - Almond Valley Group
1600 N Carpenter Rd C, Modesto, CA 95350
2096488991
THE MORTGAGE DR
3421 Tully Rd Ste A, Modesto, CA 95350
2092101840
Ability Ambeck Mortgage
220 Standiford Ave Suites G & J, Modesto, CA 95350
2095214480
Up Star Home Mortgage Inc.
2005 Evergreen Ave, Modesto, CA 95350
2098465188
IMS Lending
3421 Tully Rd Ste A, Modesto, CA 95350
8009363220
Carrollton Mortgage Co
3430 Tully Rd Ste 46, Modesto, CA 95350
2095266200
S/L Mortgage
509 Scenic Dr, Modesto, CA 95350
2096022109
Sara Tubera
1301 L St Suite 1, Modesto, CA 95354
2094094550
The Tubera Team
1301 L St Suite 1, Modesto, CA 95354
2094094550
Pacific Coast Mortgage Advisors
515 Lyell Dr Suite 104, Modesto, CA 95356
2095297262
Franklin Loan Center | Erick Winchester
1101 Sylvan Ave Suite B-6, Modesto, CA 95350
2093453433
Reverse mortgage specialists in Modesto, California help homeowners aged 62 and older convert part of their home equity into tax-free funds without monthly mortgage payments. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Modesto specialists guide clients through eligibility, loan terms, and the impact on heirs under state homestead protections.
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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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.