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Compare reverse mortgage specialists in Templeton. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Templeton, 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 3 reverse mortgage specialists in Templeton, 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.
Excel Mortgage Services
2955 S River Rd, Templeton, CA 93465
8059758584
Scott Elmerick at Certainty Home Lending (NMLS #742366)
520 S Main St Suite C, Templeton, CA 93465
8055501339
Crown Mortgage of the West
408 S Main St, Templeton, CA 93465
8054345226
A reverse mortgage specialist in Templeton, California can help 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. Templeton residents often use these loans to supplement retirement income or cover healthcare costs.
What Does a Reverse Mortgage Specialist in Templeton Cost?
Reverse mortgage costs in California typically include an origination fee (up to $6,000), third-party charges (appraisal, title search, recording fees), and a mortgage insurance premium (2% of the home value upfront plus 0.5% annually). Total closing costs often range from $2,000 to $8,000 depending on the home value and loan type. 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 Templeton California?
You must be at least 62 years old to qualify for a Home Equity Conversion Mortgage (HECM) in Templeton. All borrowers listed on the title must meet this age requirement. The property must be your primary residence.
Are there specific California counseling requirements for reverse mortgages?
Yes. California law mandates that all reverse mortgage applicants complete a counseling session with a HUD-approved counselor before applying. The counselor explains loan terms, costs, and alternatives. This session must occur within 180 days before the loan application.
What types of properties qualify for a reverse mortgage in Templeton?
Eligible properties include single-family homes, condominiums, and manufactured homes that meet FHA standards. The home must be in good condition and located in Templeton. Two-to-four unit properties may qualify if the owner occupies one unit.
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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.