ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare Reverse Mortgage Specialists in Palm Harbor, FL
Browse reverse mortgage specialists serving Palm Harbor, Florida. Contact information and addresses listed below.
13 agents listed
Updated May 2026
Palm Harbor, 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 13 reverse mortgage specialists in Palm Harbor, 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.
Fairway Independent Mortgage Corporation
924 US-19 ALT Unit E, Palm Harbor, FL 34683
7275928312
Palm Harbor Mortgage Advisors, Inc
3964 Mullenhurst Dr, Palm Harbor, FL 34685
7275423357
NFM Lending
33920 US Hwy 19 N Suite 150, Palm Harbor, FL 34684
7279389007
Brian P. Forrester - Top Flite Home Loans
30522 US Hwy 19 N suite 107-w, Palm Harbor, FL 34684
8133616350
KLEAR2KLOSE MORTGAGE LLC DBA K2K MORTGAGE
849 Edgehill Dr, Palm Harbor, FL 34684
7574500052
Highland Mortgage (Alldaffer Mortgage Team)
4831 Ruen Dr Suite 201, Palm Harbor, FL 34685
7274804949
Heart of America Mortgage
2706 US-19 ALT #209, Palm Harbor, FL 34683
8168203451
Movement Mortgage
2385 Tampa Rd # 4, Palm Harbor, FL 34683
7277447992
Colleen A Rodriguez | Fairway Independent Mortgage Corporation Loan Officer
924 Alt 19 Suite E, Palm Harbor, FL 34683
7276445111
Sydnie Johncola-Genson, Think Mortgage FL
34650 US Hwy 19 N suite 309b, Palm Harbor, FL 34683
7277850240
Price Mortgage Group at GO Mortgage
1318 US-19 ALT, Palm Harbor, FL 34683
7274093869
UMortgage - Joshua Kestner
34125 US Hwy 19 N Suite 110, Palm Harbor, FL 34684
A reverse mortgage specialist in Palm Harbor Florida helps homeowners aged 62 and older convert home equity into loan proceeds without monthly payments. Florida law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage HECM. Palm Harbor residents often use these funds for home repairs medical expenses or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Palm Harbor Cost?
In Florida reverse mortgage costs typically include an origination fee capped at 6000 or 2 percent of the home value whichever is less. The upfront mortgage insurance premium is 2 percent of the appraised value. Third-party fees for appraisal title search and recording in Palm Harbor usually range from 1500 to 3500. Annual costs include a 0.5 percent mortgage insurance premium and servicing fees. Costs vary by lender 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 Palm Harbor Florida?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The home must be your primary residence and you must attend a HUD-approved counseling session. Florida law also requires the property to meet FHA minimum property standards.
How does Florida law affect reverse mortgage proceeds and repayment?
Florida statute 497.555 governs reverse mortgage lending in the state. The loan becomes due when the last borrower dies sells the home or moves out for 12 consecutive months. Borrowers retain ownership and can stay in the home as long as they pay property taxes insurance and maintain the property.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Palm Harbor who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Florida.