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Directory of reverse mortgage specialists in Sonoma, California. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Sonoma, 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 4 reverse mortgage specialists in Sonoma, 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.
Jennifer Brown at CrossCountry Mortgage
760 W Napa St, Sonoma, CA 95476
4153367782
Gary Umholtz at Rate (NMLS #302500)
190 W Napa St Suite #101, Sonoma, CA 95476
7074921126
Michael Brouse at Rate Reverse (NMLS #805832)
190 W Napa St Suite #101, Sonoma, CA 95476
7078888230
Rate
190 W Napa St Suite #101, Sonoma, CA 95476
7074921126
Reverse mortgage specialists in Sonoma California help homeowners aged 62 and older access home equity without monthly payments. Under California law, borrowers must receive counseling from a HUD-approved agency before applying. Sonoma specialists guide clients through the process, including property eligibility and loan disbursement options.
What Does a Reverse Mortgage Specialist in Sonoma Cost?
Typical costs for a reverse mortgage in California include an origination fee up to $6,000, a mortgage insurance premium of 2% of the home value, and appraisal fees around $500 to $800. Closing costs can range from $2,000 to $5,000. These costs are often financed into the loan. 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 does a reverse mortgage specialist in Sonoma do?
A reverse mortgage specialist in Sonoma helps homeowners understand and apply for a Home Equity Conversion Mortgage (HECM). They explain eligibility, loan terms, and the mandatory counseling required by California law.
Are there age requirements for a reverse mortgage in California?
Yes, all borrowers must be at least 62 years old. This is a federal requirement for HECM loans and applies in Sonoma and throughout California.
What property types qualify for a reverse mortgage in Sonoma?
Qualifying property types include single-family homes, condominiums approved by HUD, and manufactured homes that meet FHA standards. The property must be the borrowers primary residence.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.