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Find Reverse Mortgage Specialists Near You in Palos Verdes Estates, CA
Browse reverse mortgage specialists serving Palos Verdes Estates, California. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Palos Verdes Estates, 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 6 reverse mortgage specialists in Palos Verdes Estates, 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.
Circadian Mortgage Brokers
30 Malaga Cove Plaza, Palos Verdes Estates, CA 90274
3107536764
South Bay Mortgage Brokers
413 Vía Corta, Palos Verdes Estates, CA 90274
3108747932
Danny Waddell at CrossCountry Mortgage
405 Vía Chico # 3, Palos Verdes Estates, CA 90274
4246526799
Michelle Rogers at CrossCountry Mortgage
405 Vía Chico # 3, Palos Verdes Estates, CA 90274
3105606005
Diana Gunderson at Guaranteed Rate Affinity (NMLS #455514)
68 Malaga Cove Plaza, Palos Verdes Estates, CA 90274
3109083544
Lenders Capital Mortgage
2215 Vía Anacapa, Palos Verdes Estates, CA 90274
3107912280
Reverse mortgage specialists in Palos Verdes Estates, California help homeowners aged 62 and older access home equity without monthly mortgage payments. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Specialists in this coastal community understand local property values and can guide you through the process of converting equity into tax-free funds.
What Does a Reverse Mortgage Specialist in Palos Verdes Estates 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 such as appraisal and title search. Total closing costs often range from 2,000 to 8,000 dollars depending on the property value and lender. Ongoing costs include an annual mortgage insurance premium of 0.5 percent of the loan balance. 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 is a reverse mortgage specialist in Palos Verdes Estates?
A reverse mortgage specialist is a licensed professional who helps seniors obtain a Home Equity Conversion Mortgage (HECM). They explain loan terms, costs, and eligibility requirements. In California, specialists must follow state and federal regulations including mandatory counseling.
What are the eligibility requirements for a reverse mortgage in California?
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. California law requires you to attend a counseling session with a HUD-approved counselor before you can apply.
How does California law affect reverse mortgage terms?
California Civil Code Section 1923.2 requires lenders to provide a detailed disclosure of loan terms and costs. Borrowers have three business days after receiving the final loan documents to cancel without penalty. This right of rescission is a key consumer protection under state law.
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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.