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Compare Reverse Mortgage Specialists in Whittier, CA
Directory of reverse mortgage specialists in Whittier, California. Verify credentials with the state mortgage licensing authority before hiring.
18 agents listed
Updated May 2026
Whittier, 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 18 reverse mortgage specialists in Whittier, 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.
Encore Mortgage
15111 Whittier Blvd #101-B, Whittier, CA 90603
5623370000
Freedom Choice Lending
13006 Philadelphia St Ste 310, Whittier, CA 90601
8665876927
Liberty Bridge Financial
16224 Whittier Blvd, Whittier, CA 90603
5624470512
Lending Enterprise
12501 Philadelphia St, Whittier, CA 90601
5626391690
The American Lenders
16181 Whittier Blvd, Whittier, CA 90603
3239978892
John A Garcia | Loan Officer | NMLS 2118073
13128 Philadelphia St, Whittier, CA 90601
5622917090
Legacy Capital Funding
7915 Painter Ave, Whittier, CA 90602
5623601985
Elizabeth Montes/ERES Mortgage
6519 Greenleaf Ave, Whittier, CA 90601
5624645626
Allianze Mortgage Services | Mortgage Lender FHA VA Down Payment Assistance
15820 Whittier Blvd Ste. G, Whittier, CA 90603
5624641480
Carla Moreno Home Loan Specialist
7007 Washington Ave Ofc 320, Whittier, CA 90602
5622546951
Legacy Mortgage Loans Inc
6550 Bright Ave, Whittier, CA 90601
3232500250
Friendly Hills Financing
14077 Lambert Rd, Whittier, CA 90605
5625508888
Daniel Carrillo
15111 Whittier Blvd #220, Whittier, CA 90603
5624490000
Heartland Mortgage, Inc
14758 Whittier Blvd b, Whittier, CA 90605
5623186965
Southern California Home Loans
14522 Whittier Blvd, Whittier, CA 90605
5626980074
1st Day Lending & Real Estate
13317 Wardman St, Whittier, CA 90602
5622735215
Excellence Mortgage Brokers
14831 Whittier Blvd #206, Whittier, CA 90605
5626984663
Hii Mortgage Loans Whittier Ca
10135 Gunn Ave #101, Whittier, CA 90605
5625670880
Reverse mortgage specialists in Whittier, California help homeowners aged 62 and older convert home equity into loan proceeds without monthly payments. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Specialists can explain how loan amounts are calculated based on the youngest borrower age, current interest rates, and the maximum lending limit of $1,149,825 for 2025.
What Does a Reverse Mortgage Specialist in Whittier Cost?
In California, reverse mortgage costs include an origination fee capped at $6,000 or 2% of the first $200,000 of home value plus 1% of the amount above $200,000. The upfront mortgage insurance premium is 2% of the appraised value, and annual premiums are 0.5% of the loan balance. Third-party fees such as appraisal, title search, and recording fees typically range from $1,500 to $4,000. Costs vary by lender, loan type, and property value. 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 eligibility requirements for a reverse mortgage in Whittier California?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The property must be the primary residence, and the home must be a single-family home, FHA-approved condo, or manufactured home that meets FHA standards. Financial assessment is required to ensure the borrower can pay property taxes and insurance.
How does California law affect reverse mortgage proceeds?
California Civil Code Section 1923.5 requires a seven-day cooling-off period after loan closing before funds can be disbursed. Proceeds are tax-free and do not affect Social Security or Medicare benefits, but they may impact Medi-Cal eligibility. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the home.
What are the costs associated with a reverse mortgage in Whittier?
Typical costs include an origination fee up to $6,000, mortgage insurance premium of 2% of the appraised value upfront plus 0.5% annually, appraisal fees around $500 to $800, and closing costs ranging from $2,000 to $5,000. These costs are usually financed into the loan, so no out-of-pocket payment is required at closing.
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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.