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 5 reverse mortgage specialists in Oceanside, 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.
North Coast Financial, Inc. Hard Money Lenders
2424 Vista Way UNIT 202, Oceanside, CA 92054
7607222991
Pacific Coast Home Mortgage & Real Estate Inc
900 Pier View Wy, Oceanside, CA 92054
8888937775
Home Mortgage Experts
2103 S El Camino Real #108, Oceanside, CA 92054
8664115472
Nick Rodriguez at CrossCountry Mortgage
805 College Blvd #103, Oceanside, CA 92057
6193043888
Military Mortgage Group
805 College Blvd Suite 103, Oceanside, CA 92057
7605475089
What Does a Reverse Mortgage Specialist in Oceanside Cost?
Typical costs for a reverse mortgage in California include an origination fee of up to 6000 dollars, a mortgage insurance premium of 2 percent of the home value, and third-party fees for appraisal and title work. Total closing costs often range from 8000 to 15000 dollars. 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 Oceanside California?
You must be at least 62 years old to qualify for a Home Equity Conversion Mortgage in California. The youngest borrower on the title must meet this age requirement. Spouses under 62 may have limited protections under California law.
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. This session must happen before you submit your loan application. The counselor will explain loan terms, costs, and alternatives.
What property types qualify for a reverse mortgage in Oceanside?
Single-family homes, FHA-approved condos, and manufactured homes that meet HUD standards qualify in Oceanside. The property must be your primary residence. Two-to-four unit properties also qualify if you live in one unit.