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Compare reverse mortgage specialists in Panama City. Review contact information and insurance categorys before you decide.
14 agents listed
Updated May 2026
Panama City, 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 14 reverse mortgage specialists in Panama City, 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.
Allegiant Lending Firm
3535 E 3rd St, Panama City, FL 32401
8504818085
Homeowners Financial Group
97 Oak Ave, Panama City, FL 32401
9048307900
Madison Shaver- Mortgage by Madison
3707 W 23rd St, Panama City, FL 32405
8507718013
Lindsey Chapman at CrossCountry Mortgage
55 W 5th St, Panama City, FL 32401
8506287447
Tonya Anderson at Homeowners Financial Group USA, LLC
97 Oak Ave, Panama City, FL 32401
3345966158
Guild Mortgage - Kathy Hallmon
3208 W 23rd St #2, Panama City, FL 32405
8503811833
Oasis Mortgage LLC
3707 W 23rd St, Panama City, FL 32405
8502500865
Florida's VA Mortgage Center
97 Oak Ave, Panama City, FL 32401
7277774999
Doug Brown- Oasis Mortgage LLC
3707 W 23rd St, Panama City, FL 32405
8502500865
Taelor Messer at CrossCountry Mortgage
55 W 5th St, Panama City, FL 32401
8508908812
American Reverse Mortgage
801 Jenks Ave, Panama City, FL 32401
8505225226
United Reverse Mortgages
2101 Northside Dr, Panama City, FL 32405
8502152211
Kristy Alston - Ameris Bank Mortgage
450 E 23rd St, Panama City, FL 32405
8508300516
Revolution Mortgage
949 Jenks Ave #19, Panama City, FL 32401
8508100001
What Does a Reverse Mortgage Specialist in Panama City Cost?
Typical costs for a reverse mortgage in Florida include an origination fee of up to 2 percent of the first 200,000 of home value plus 1 percent of the amount above that. Third-party costs such as appraisal title search and recording fees range from 1,500 to 4,000. The upfront mortgage insurance premium is 2 percent of the appraised value. Annual mortgage insurance premiums are 0.5 percent of the loan balance. These 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 requirements for a reverse mortgage in Panama City Florida?
Borrowers must be at least 62 years old. If there is a co-borrower the younger borrower must also meet this age requirement. Florida law does not change this federal HECM rule.
Do I need counseling to get a reverse mortgage in Florida?
Yes Florida law requires HUD-approved counseling for all reverse mortgage applicants. The counseling session explains loan terms costs and alternatives. You must receive a certificate of completion before your lender can process the loan.
Can a reverse mortgage affect my Florida homestead exemption?
A reverse mortgage does not directly cancel your Florida homestead exemption. However if you fail to pay property taxes or homeowners insurance the lender may foreclose. The homestead exemption remains in effect as long as you occupy the home as your primary residence.
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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.