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Directory of reverse mortgage specialists in Stockton, California. Verify credentials with the state mortgage licensing authority before hiring.
19 agents listed
Updated May 2026
Stockton, 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 19 reverse mortgage specialists in Stockton, 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.
Central Valley Mortgage Group - Daniel A. Sosa
5713 N Pershing Ave Suite D2, Stockton, CA 95207
2093534657
loanDepot
3555 Deer Park Dr #100, Stockton, CA 95219
2093237900
Mission San Jose Mortgage
2111 W March Ln # B200, Stockton, CA 95207
8888487199
Kristina Hernandez at Homeowners Financial Group USA, LLC
5250 Claremont Ave # 105, Stockton, CA 95207
2095188277
Esmeralda Velasco - Sr. Mortgage Advisor
1024 W Robinhood Dr #6, Stockton, CA 95207
2096147271
Answer Home Lending
1833 W March Ln #2, Stockton, CA 95207
2099572655
Ralph Gresham | Branch Manager | Primary Residential Mortgage, Inc.
2027 Grand Canal Blvd suite 32, Stockton, CA 95207
A reverse mortgage specialist in Stockton California helps homeowners aged 62 and older access home equity without monthly payments. California law requires mandatory counseling from a HUD-approved agency before any reverse mortgage application. Specialists in Stockton guide clients through the unique rules of the Home Equity Conversion Mortgage program for properties in San Joaquin County.
What Does a Reverse Mortgage Specialist in Stockton Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee of up to 2 percent of the home value capped at 6000 dollars. Other costs include a mortgage insurance premium of 2 percent of the home value at closing and 0.5 percent annually. Appraisal fees range from 400 to 800 dollars and title insurance costs vary. 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 does a reverse mortgage specialist in Stockton do?
A reverse mortgage specialist in Stockton helps seniors understand and apply for a Home Equity Conversion Mortgage or HECM. They explain loan terms, costs, and the mandatory counseling requirement under California law. The specialist does not provide financial advice but can refer you to a HUD-approved counselor.
Are reverse mortgages regulated differently in California?
Yes, California has specific laws for reverse mortgages including a mandatory three-day right of rescission after closing. Lenders must also provide a disclosure about the loan terms and costs before the application. These rules are in addition to federal HECM requirements.
What are the eligibility requirements for a reverse mortgage in Stockton?
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 and meet FHA property standards. California law also requires that you complete a counseling session with a HUD-approved agency before applying.
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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.