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Find Reverse Mortgage Specialists Near You in Nevada City, CA
Directory of reverse mortgage specialists in Nevada City, California. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Nevada City, 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 3 reverse mortgage specialists in Nevada City, 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.
Anne Solano at Clearview Home Lending, Inc.
200 Providence Mine Rd Suite 208, Nevada City, CA 95959
5307908319
Noel Brownell at Xpert Home Lending Inc.
206 Providence Mine Rd Suite 208, Nevada City, CA 95959
5308633882
Caroline Rose at Clearview Home Lending, Inc.
200 Providence Mine Rd Suite 208, Nevada City, CA 95959
7074777441
A reverse mortgage specialist in Nevada City, California can help older homeowners access home equity without selling their property. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Nevada City residents often use these funds for home repairs, medical expenses, or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Nevada City Cost?
Typical costs for a reverse mortgage in California include an origination fee of up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal, title search, and recording. Total closing costs often range from 5,000 to 15,000 dollars depending on the home value and lender. Ongoing costs include annual mortgage insurance premiums of 0.5 percent of the loan balance and servicing fees. 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 Nevada City?
Borrowers must be at least 62 years old. All homeowners on the title must meet this age requirement. California law does not allow exceptions for younger spouses in most cases.
Do I need to own my home free and clear to qualify in Nevada City?
No, you do not need to own your home free and clear. You can qualify with an existing mortgage, but the reverse mortgage proceeds must first pay off that loan. The remaining equity is then available to you.
How does California law affect reverse mortgage counseling requirements?
California requires all reverse mortgage applicants to receive independent counseling from a HUD-approved agency. The counseling must occur at least 7 days before you sign any loan documents. This rule helps ensure you understand the loan terms and obligations.
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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.