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Directory of reverse mortgage specialists in Winter Haven, Florida. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Winter Haven, 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 11 reverse mortgage specialists in Winter Haven, 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.
Solaris Financial Group LLC
250 Magnolia Ave Ste 200, Winter Haven, FL 33880
8635855011
Fairway Independent Mortgage Corporation
6607 Winterset Gardens Rd, Winter Haven, FL 33884
8632248558
American Liberty Mortgage - Orlando, FL
223 7th St SW, Winter Haven, FL 33880
4072334077
Vertical Lending
290 Cypress Gardens Blvd E, Winter Haven, FL 33880
8632990082
David Thornton - Lower Mortgage
429 1st St S, Winter Haven, FL 33880
8632877115
Mortgages & More, LLC
810 1st St S, Winter Haven, FL 33880
8632967181
American Liberty Mortgage - Polk County - Winter Haven, FL
223 7th St SW, Winter Haven, FL 33880
8636561177
First Mortgage Corporation of Winter Haven
1810 6th St SE, Winter Haven, FL 33880
8632943254
Atlas Mortgage, Inc.
333 6th St SW, Winter Haven, FL 33880
8632936669
Motto Mortgage Homewise
264 W Central Ave Suite A, Winter Haven, FL 33880
8632363868
Jack Summers at CrossCountry Mortgage, LLC
635 1st St S, Winter Haven, FL 33880
8635577750
Reverse mortgage specialists in Winter Haven 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. Winter Haven seniors often use these funds for home repairs healthcare or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Winter Haven Cost?
Typical costs for a reverse mortgage specialist in Florida include an origination fee up to 2 percent of the home value but capped at 6000 dollars. Third-party fees like appraisal title insurance and recording fees range from 2000 to 5000 dollars. The upfront mortgage insurance premium is 2 percent of the home value and annual premiums are 0.5 percent. These costs vary by situation. 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 Winter Haven Florida?
Borrowers must be at least 62 years old. If there are co-borrowers both must meet this age requirement under Florida law and HUD rules.
Do I need counseling before getting a reverse mortgage in Florida?
Yes Florida law and HUD require all borrowers to complete a counseling session with a HUD-approved counselor. This session explains loan terms costs and alternatives.
Can I lose my Winter Haven home with a reverse mortgage?
You can lose your home if you fail to pay property taxes homeowners insurance or maintain the property. Florida law allows lenders to foreclose if these obligations are not met.
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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.