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Compare reverse mortgage specialists in St. Charles. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
St. Charles, IL
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 Illinois before hiring.
Showing 20 reverse mortgage specialists in St. Charles, IL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
The Mortgage Link- St. Charles, IL Steven Phras Branch
2320 Dean St # 106, St. Charles, IL 60175
8476306636
The Bukowski Mortgage Team - The Money Store
405 Illinois Ave #2c, St. Charles, IL 60174
6302543752
Guild Mortgage - Julie Parrilli
40w310 LaFox Rd c1, St. Charles, IL 60175
6309880094
Chris Hoss at CrossCountry Mortgage
116 E Main St #2n, St. Charles, IL 60174
6308840030
Guild Mortgage - Clarita Lage
40w310 LaFox Rd c1, St. Charles, IL 60175
6305249687
Telli Panagakis at CrossCountry Mortgage
116 E Main St, St. Charles, IL 60174
6302859300
Traci Emond - Guild Mortgage
40w310 LaFox Rd C-1, St. Charles, IL 60175
2248056482
Guild Mortgage - Claude Ehinger
40w310 LaFox Rd C-1, St. Charles, IL 60175
8473800094
The Hoss Team at CrossCountry Mortgage
116 E Main St, St. Charles, IL 60174
6308845000
Partners In Mortgage
1350 E Main St, St. Charles, IL 60174
6304439131
Guild Mortgage Company
40w310 LaFox Rd C-1, St. Charles, IL 60175
6303263630
Mutual of Omaha Mortgage
104 S 2nd Ave, St. Charles, IL 60174
8004855364
Guild Mortgage - Amanda Spizziri
40w310 LaFox Rd c1, St. Charles, IL 60175
8473226786
Guild Mortgage - Jennifer Purrington
612 W Main St, St. Charles, IL 60174
8479512636
Gina Ramseyer at CrossCountry Mortgage
116 E Main St, St. Charles, IL 60174
6304238036
A reverse mortgage specialist in St. Charles, Illinois helps homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. In Illinois, borrowers must complete a HUD-approved counseling session before applying for a Home Equity Conversion Mortgage (HECM). Local specialists guide clients through the process, including property eligibility and repayment terms required by Illinois law.
What Does a Reverse Mortgage Specialist in St. Charles Cost?
Typical costs for a reverse mortgage in Illinois include an origination fee (up to $6,000), a mortgage insurance premium (2% of the appraised value upfront plus 0.5% annually), appraisal fees ($400 to $600), and closing costs ($1,500 to $3,000). Counseling fees are usually $125 to $150. Total costs often range from $8,000 to $15,000 but vary by loan amount and property value. 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 and property requirements for a reverse mortgage in St. Charles?
Borrowers must be at least 62 years old. The home must be a primary residence, such as a single-family home, FHA-approved condo, or manufactured home. Illinois law requires the property to meet HUD minimum standards before closing.
Do I need counseling before getting a reverse mortgage in Illinois?
Yes. Illinois requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session explains loan terms, costs, and alternatives. The counselor must be independent from the lender.
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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 Illinois.