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Find Reverse Mortgage Specialists Near You in North Miami Beach, FL
Directory of reverse mortgage specialists in North Miami Beach, Florida. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
North Miami Beach, FL
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 Florida before hiring.
Showing 3 reverse mortgage specialists in North Miami Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Amethyst Mortgage LLC
15805 Biscayne Blvd suite 106, North Miami Beach, FL 33160
9178436850
Americ Mortgage
1820 NE 163rd St Suite 301, North Miami Beach, FL 33162
3052045626
Fiduciary Mortgage Loans LLC
75 NW 167th St, North Miami Beach, FL 33169
3054205152
A reverse mortgage specialist in North Miami Beach helps homeowners aged 62 and older convert home equity into cash without monthly payments. Florida law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage. These specialists guide clients through the process including Florida property tax deferral options and homestead exemption rules.
What Does a Reverse Mortgage Specialist in North Miami Beach Cost?
Typical costs for a reverse mortgage in Florida include an origination fee of up to 2 percent of the home value with a cap of 6000 dollars. Third-party costs such as appraisal title insurance and recording fees range from 2000 to 5000 dollars. The upfront mortgage insurance premium is 2 percent of the appraised value. Annual mortgage insurance is 0.5 percent of the loan balance. Costs vary by lender 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 and property requirements for a reverse mortgage in North Miami Beach?
Borrowers must be at least 62 years old. The property must be the primary residence and can be a single-family home, a condo in a FHA-approved complex, or a manufactured home meeting HUD standards. Florida law does not impose additional age limits beyond the federal requirement.
Do I need counseling before getting a reverse mortgage in Florida?
Yes. Florida law follows federal HUD rules which require all borrowers to attend a counseling session with a HUD-approved agency. The session must occur before you submit a loan application. The counselor explains loan terms costs and alternatives.
Can I lose my home with a reverse mortgage in North Miami Beach?
You can lose the home if you fail to pay property taxes or homeowners insurance or if you stop living in the home as your primary residence. Florida law protects surviving spouses under certain conditions but you must keep up with property charges to avoid foreclosure.
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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 Florida.