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Find Reverse Mortgage Specialists in San Mateo, CA
Directory of reverse mortgage specialists in San Mateo, California. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
San Mateo, 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 8 reverse mortgage specialists in San Mateo, 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.
Emerson Financial
675 Mariners Island Blvd STE 107, San Mateo, CA 94404
6505241700
Ascend Mortgage
3 E 3rd Ave Suite 200, San Mateo, CA 94401
6502124010
Redwood Mortgage
177 Bovet Rd #520, San Mateo, CA 94401
6503655341
Barastone
1900 O'Farrell St ste 145, San Mateo, CA 94403
6508020800
Mortgage Services
181 2nd Ave, San Mateo, CA 94401
6507623014
Ron Goerss | Mortgage Services
235 E 3rd Ave Suite 204, San Mateo, CA 94401
6507596545
Guarantee Mortgage
1528 S El Camino Real UNIT 307, San Mateo, CA 94402
6502125050
Mortgage Services
235 E 3rd Ave, San Mateo, CA 94401
6507030758
A reverse mortgage specialist in San Mateo, California helps seniors convert home equity into cash without selling their home. California law requires borrowers to complete a HUD-approved counseling session before applying for a Home Equity Conversion Mortgage (HECM). San Mateo County homeowners often use these loans to supplement retirement income or cover medical expenses while staying in their homes.
What Does a Reverse Mortgage Specialist in San Mateo Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee of up to $6,000, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees such as appraisal (around $500) and title search (around $800). Closing costs generally range from $2,500 to $8,000. These costs are usually 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 and property requirements for a reverse mortgage in San Mateo?
Borrowers must be at least 62 years old. The property must be the borrower's primary residence and can be a single-family home, a 2-4 unit property, a condominium, or a manufactured home that meets FHA standards.
Do I need to own my home free and clear to qualify for a reverse mortgage in California?
No, you do not need to own your home free and clear. You can qualify if you have a low mortgage balance that can be paid off with the reverse mortgage proceeds. California law requires that any existing liens be satisfied at closing.
What counseling is required before getting a reverse mortgage in California?
California law mandates that all borrowers receive HUD-approved counseling from a third-party agency before applying. This session covers loan terms, costs, and alternatives. The counselor must be independent of the lender.
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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.