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Find Reverse Mortgage Specialists Near You in Post Falls, ID
Directory of reverse mortgage specialists in Post Falls, Idaho. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Post Falls, ID
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 Idaho before hiring.
Showing 6 reverse mortgage specialists in Post Falls, ID
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
LendNation
101 E Seltice Way, Post Falls, ID 83854
2087779644
Monument Financial, Inc.
510 Clearwater Loop # 100, Post Falls, ID 83854
2089006350
Idaho Mortgage Broker Laura Guadamuz, Loan Officer NMLS #2097030
4252 E 16th Ave, Post Falls, ID 83854
2084815899
Heartland Mortgage Inc NMLS# 70082
2700 E Seltice Way Ste 8, Post Falls, ID 83854
2087772030
Mimi Fisher - Powered by Modus Mortgage
510 Clearwater Loop, Post Falls, ID 83854
2086619457
US Bank Mortgage
415 E Seltice Way, Post Falls, ID 83854
8008722657
A reverse mortgage specialist in Post Falls Idaho helps homeowners aged 62 and older access home equity without monthly payments. Idaho law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Local specialists guide you through Idaho-specific property tax deferral options and the non-recourse feature that protects your heirs from debt beyond the home value.
What Does a Reverse Mortgage Specialist in Post Falls Cost?
Typical costs for a reverse mortgage in Idaho include an origination fee (up to $6,000 on a $300,000 home), a mortgage insurance premium (2% of the appraised value upfront plus 0.5% annually), and third-party fees for appraisal, title, and recording (often $1,500 to $3,500). Closing costs in Post Falls generally range from $8,000 to $15,000, but these can be financed into the loan. 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 Post Falls Idaho?
You must be at least 62 years old to qualify for a HECM reverse mortgage in Idaho. The youngest borrower on the title must meet this age requirement. Idaho law does not add any additional age restrictions beyond the federal HUD rule.
Do I need to own my home free and clear to get a reverse mortgage in Idaho?
No, you do not need to own the home free and clear. You can use reverse mortgage proceeds to pay off an existing mortgage or other liens. The home must be your primary residence and meet HUD property standards in Kootenai County.
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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 Idaho.