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Find Reverse Mortgage Specialists in Union City, CA
Directory of reverse mortgage specialists in Union City, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Union City, 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 5 reverse mortgage specialists in Union City, 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.
Pacific Green Funding
29300 Kohoutek Way STE 110, Union City, CA 94587
8445456267
Fremont Bank-Lorie Dunn-Mortgage Loan Officer
32000 Alvarado Blvd, Union City, CA 94587
5102077696
Polaris Financing
4568 Niland St, Union City, CA 94587
5107502204
Triad Home Loans
33432 Alvarado-Niles Rd, Union City, CA 94587
5104877797
Ricky Huang - 1724043 - Wells Fargo Home Mortgage
30915 Courthouse Dr, Union City, CA 94587
4083076482
A reverse mortgage specialist in Union City California helps homeowners aged 62 and older access home equity without monthly payments. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Union City residents can use these funds for home repairs, healthcare costs, or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Union City Cost?
Typical costs for a reverse mortgage in California include an origination fee up to 2.5 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal and title search. These costs often total between 5000 and 15000 dollars depending on the home value and loan type. 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 are the eligibility requirements for a reverse mortgage in Union City 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 HUD property standards. California also requires you to attend a counseling session with a HUD-approved counselor before applying.
How does California law protect reverse mortgage borrowers?
California Civil Code Section 1923.5 requires lenders to provide a detailed disclosure of loan terms and costs. Borrowers have a three-day right of rescission after signing the loan agreement. The state also mandates that lenders verify a borrower can pay property taxes and insurance.
Can I lose my home with a reverse mortgage in Union City?
Yes, you can lose your home if you fail to pay property taxes, homeowners insurance, or maintain the property. You must also continue to live in the home as your primary residence. California law does not allow the loan to become due if you are current on these obligations.
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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.