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Directory of reverse mortgage specialists in Temecula, California. Verify credentials with the state mortgage licensing authority before hiring.
12 agents listed
Updated May 2026
Temecula, 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 12 reverse mortgage specialists in Temecula, 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.
Kelly Manderscheid at Rate (NMLS #273420)
43053 Margarita Rd STE B107, Temecula, CA 92592
9514535231
Taylor Loop - Modern Lending
28999 Old Town Front St Suite 103, Temecula, CA 92590
9518096452
Modern Lending
28999 Old Town Front St Suite 103, Temecula, CA 92590
8444663376
Vintage Mortgage Firm
41911 5th St STE 300, Temecula, CA 92590
9516950901
Vintage Mortgage Professionals-Steve Tempel
27431 Enterprise Cir W Ste 200, Temecula, CA 92590
9516950905
Mike Vasquez, Mortgage Broker
28693 Old Town Front St Suite 400-D, Temecula, CA 92590
A reverse mortgage specialist in Temecula California helps older homeowners access home equity without monthly payments. In California lenders must follow strict rules including a mandatory counseling session with a HUD approved counselor. Temecula residents can use these loans to supplement retirement income or pay for home repairs while staying in their homes.
What Does a Reverse Mortgage Specialist in Temecula Cost?
Typical costs for a reverse mortgage in California include an origination fee of up to 2 percent of the home value capped at 6000 dollars. Third party costs like appraisal title insurance and recording fees usually range from 2000 to 5000 dollars. The upfront mortgage insurance premium is 2 percent of the home value. These costs are often rolled into the loan so you pay little or nothing upfront. 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 age requirements for a reverse mortgage in Temecula California?
All borrowers must be at least 62 years old. The home must be your primary residence. California law also requires that you complete a HUD approved counseling session before you can apply for the loan.
Are reverse mortgage proceeds taxable in California?
No the money you receive from a reverse mortgage is not considered income by the IRS or California. It is a loan advance so it does not affect your Social Security or Medicare benefits. However it can affect need based programs like Medi-Cal if you keep large cash amounts.
What happens to the reverse mortgage when the borrower moves out or passes away in Temecula?
The loan becomes due when the last borrower dies sells the home or moves out for more than 12 months. Heirs have 30 days to decide to pay off the loan or sell the home. California law gives heirs extra time to work with the lender if needed.
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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.