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Compare reverse mortgage specialists in Santa Barbara. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Santa Barbara, 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 Santa Barbara, 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.
Dawn Flori NMLS# 2348631 | The Kelly Marsh Team at Cornerstone Home Lending
1828 State St, Santa Barbara, CA 93101
8055631100
Vicky Reese - TIME Lending Mortgage Broker
3820 State St D, Santa Barbara, CA 93105
8058864052
Ranch & Coast Mortgage Group, Inc.
1117 State St, Santa Barbara, CA 93101
8054486932
Guy Rivera - Branch Manager - Your Guy in the Mortgage Industry
1736 State St, Santa Barbara, CA 93101
8054523804
Michele Herrera at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8057705517
Jeff Bochsler at Rate (NMLS #770636)
1165 Coast Village Rd C, Santa Barbara, CA 93108
8052901828
Matt Genovese - MG Lending
1114 State St # 237, Santa Barbara, CA 93101
8058860878
Leah Gaona at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8057705502
Tom Kronen at Mutual of Omaha Reverse Mortgage
1114 State St ste 320, Santa Barbara, CA 93101
8058950471
Diana MacFarlane - Mortgage Lender
606 Calle De Los Amigos, Santa Barbara, CA 93105
8058868269
Paragon Mortgage Group
1215 De La Vina St STE G, Santa Barbara, CA 93101
8058991390
McAdams Financial Services
217 E Anapamu St, Santa Barbara, CA 93101
8059631496
Kevin Cravens at Rate (NMLS #317607)
1165 Coast Village Rd C, Santa Barbara, CA 93108
8055659100
The Dream Team @ Movement Mortgage
222 E Carrillo St Suite 107, Santa Barbara, CA 93101
8058868318
Rate
1165 Coast Village Rd C, Santa Barbara, CA 93108
8053358686
Jose Vasquez - LeaderOne Financial Corporation
319 E Carrillo St Ste 205, Santa Barbara, CA 93101
8056952458
CraigPaulGreene
800 Santa Barbara St #2220, Santa Barbara, CA 93117
8054515310
Gayle Nagy | Direct Mortgage Funding
1736 State St, Santa Barbara, CA 93101
8054489224
Reverse Mortgage
7 W Figueroa St, Santa Barbara, CA 93101
8057385577
Mortgage Wholesale
133 E De La Guerra St #59, Santa Barbara, CA 93101
8054193319
A reverse mortgage specialist in Santa Barbara California helps homeowners aged 62 and older access home equity through a Home Equity Conversion Mortgage or HECM. California law requires mandatory HUD-approved counseling before a reverse mortgage application can proceed. Santa Barbara residents often use these funds to supplement retirement income or cover home improvements while remaining in their homes.
What Does a Reverse Mortgage Specialist in Santa Barbara Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee of up to 2 percent of the home value with a maximum of 6000 for homes over 125000. Additional costs include appraisal fees usually 400 to 800 third-party closing costs and mortgage insurance premiums. The upfront mortgage insurance premium is 2 percent of the home value and annual premiums are 0.5 percent. Total costs vary by situation and loan amount. 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 eligibility requirements for a reverse mortgage in Santa Barbara California?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The property must be your primary residence and meet FHA standards. California law also requires you to complete a counseling session with a HUD-approved counselor before applying.
How does California law protect reverse mortgage borrowers in Santa Barbara?
California Civil Code Section 1923 requires lenders to provide a detailed disclosure including total loan costs and repayment terms. Borrowers have a three-day right of rescission after closing to cancel the loan without penalty. Counseling must be completed before any application is accepted.
What are the typical costs for a reverse mortgage specialist in Santa Barbara?
Costs include an origination fee up to 2 percent of the home value appraisal fees and closing costs. Origination fees are capped at 6000 for homes valued over 125000. Total upfront costs usually range from 2000 to 8000 depending on the property value and loan type.
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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.