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Find Reverse Mortgage Specialists Near You in Ashland, KY
Looking for a reverse mortgage specialist in Ashland? Review the directory below to compare your options.
11 agents listed
Updated May 2026
Ashland, KY
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 Kentucky before hiring.
Showing 11 reverse mortgage specialists in Ashland, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Hobbs Mortgage Group
1401 Greenup Ave Suite A, Ashland, KY 41101
6065716611
Stockton Mortgage Corporation NMLS# 8259
1212 Bath Ave Suite 210, Ashland, KY 41101
6063930230
OneMain Financial
489 River Hill Dr, Ashland, KY 41101
6063258426
Luma Lending NMLS #2682683
2824 Holt St FIRST FLOOR, Ashland, KY 41101
6069222648
Thrive Mortgage - Ashland KY
1517 Winchester Ave, Ashland, KY 41101
6063248873
E Z Mortgage
2021 13th St, Ashland, KY 41101
6063254500
JTS Wealth Management of Raymond James
1600 Carter Ave, Ashland, KY 41101
6069209673
Fifth Third Mortgage - Robin Pelfrey
1422 Winchester Ave, Ashland, KY 41101
6063261458
Met Life Home Loans
332 15th St, Ashland, KY 41101
6063240391
PNC Mortgage
1000 Carter Ave, Ashland, KY 41101
6069204211
23 and Sixty Wealth Partners of RJ
1600 Carter Ave, Ashland, KY 41101
6069209725
A reverse mortgage specialist in Ashland Kentucky helps homeowners aged 62 and older convert home equity into tax-free funds without monthly mortgage payments. Kentucky law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage HECM. Local specialists guide clients through the process including property appraisal and loan closing specific to Boyd County regulations.
What Does a Reverse Mortgage Specialist in Ashland Cost?
Typical costs for a reverse mortgage specialist in Kentucky include an origination fee of up to 2 percent of the home value with a cap of 6000 dollars. Third-party costs such as appraisal title search and recording fees range from 2000 to 5000 dollars. The upfront mortgage insurance premium is 2 percent of the appraised value. These costs are usually rolled into the loan balance. This information is general 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 Ashland Kentucky?
Borrowers must be at least 62 years old. If married the younger spouse must also be 62 unless a non-borrowing spouse exception applies under HUD rules. Kentucky state law does not change this federal requirement.
Do I need counseling before getting a reverse mortgage in Kentucky?
Yes Kentucky law requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session must occur at least 30 days before the loan application is submitted. The counselor explains loan terms costs and alternatives.
Can I lose my home with a reverse mortgage in Ashland?
You can lose your home if you fail to pay property taxes homeowners insurance or maintain the property. Kentucky law allows lenders to foreclose if these obligations are not met. The loan becomes due when the last borrower moves out or passes away.
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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 Kentucky.