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Compare Reverse Mortgage Specialists in Martinez, GA
Compare reverse mortgage specialists in Martinez. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Martinez, GA
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 Georgia before hiring.
Showing 3 reverse mortgage specialists in Martinez, GA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
James Gay Mortgage Lender
4210 Columbia Rd #17A, Martinez, GA 30907
8032152412
Guild Mortgage - John Lindberg
4070 Columbia Rd Suite 240b & 240c, Martinez, GA 30907
8433337370
Guild Mortgage Company
4070 Columbia Rd Suite 240b & 240c, Martinez, GA 30907
7067267726
A reverse mortgage specialist in Martinez, Georgia helps homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. In Georgia, borrowers must complete a HUD-approved counseling session before applying. These loans are regulated by federal law and Georgia state statutes to protect consumers.
What Does a Reverse Mortgage Specialist in Martinez Cost?
Typical costs for a reverse mortgage specialist in Georgia include an origination fee of up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third-party closing costs such as appraisal and title fees. Total costs often range from 5,000 to 15,000 dollars depending on home value 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 eligibility requirements for a reverse mortgage in Martinez Georgia?
You must be at least 62 years old, own your home outright or have a low mortgage balance, and live in the property as your primary residence. Georgia law requires a financial assessment to ensure you can pay property taxes and insurance.
Are reverse mortgage proceeds taxable in Georgia?
No, reverse mortgage proceeds are not considered income by the IRS or the state of Georgia. They are treated as loan advances, so you do not pay state income tax on them. However, property taxes and insurance costs still apply.
Can a reverse mortgage be foreclosed in Georgia?
Yes, if you fail to pay property taxes, homeowners insurance, or maintain the home, the lender can foreclose. Georgia law gives borrowers a 30-day cure period after a notice of default before foreclosure proceedings begin.
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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 Georgia.