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Looking for a reverse mortgage specialist in Sebastian? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Sebastian, 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 4 reverse mortgage specialists in Sebastian, 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.
Richard Therien
705 Sebastian Blvd Suite E, Sebastian, FL 32958
9042378821
Michael Float
705 Sebastian Blvd, Sebastian, FL 32958
7725325984
MOVEMENT MORTGAGE
705 E Sebastian Blvd, Sebastian, FL 32958
8773141499
Reliable Mortgages, Inc.
1627 US-1 suite 218, Sebastian, FL 32958
7722288600
Reverse mortgage specialists in Sebastian, Florida help homeowners aged 62 and older access home equity without monthly payments. Florida law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage HECM. Specialists guide clients through Florida-specific rules, including homestead exemption impacts and property tax deferral options.
What Does a Reverse Mortgage Specialist in Sebastian Cost?
Typical costs for a reverse mortgage in Florida 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 like appraisal and title search. For a home valued at 300,000 dollars, total upfront costs often range from 10,000 to 18,000 dollars. Annual costs include servicing fees and mortgage insurance. 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 age requirements for a reverse mortgage in Sebastian Florida?
Borrowers must be at least 62 years old. If married, a non-borrowing spouse under 62 may have protections under HUD rules but should verify eligibility with a specialist.
Do I need to own my home free and clear to get a reverse mortgage in Florida?
No, you can have an existing mortgage. The reverse mortgage must pay off any current liens first. Florida law does not require full ownership, but sufficient equity is needed.
How does Florida homestead exemption affect a reverse mortgage?
The homestead exemption can continue if you occupy the home as your primary residence. However, the reverse mortgage lender may require proof of occupancy and insurance. Consult a specialist for your specific case.
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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.