ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of reverse mortgage specialists in Dunkirk, Maryland. Verify credentials with the state mortgage licensing authority before hiring.
18 agents listed
Updated May 2026
Dunkirk, MD
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 Maryland before hiring.
Showing 18 reverse mortgage specialists in Dunkirk, MD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Jeffrey Halbert - First Home Mortgage
3240 Ferry Landing Rd Suite 201, Dunkirk, MD 20754
3013275803
Corey Smith at First Heritage Mortgage
3240 Ferry Landing Rd Suite 2, Dunkirk, MD 20754
4436248490
Tim Sisson (NMLS #978794) - First Home Mortgage
3240 Ferry Landing Rd Suite 201, Dunkirk, MD 20754
A reverse mortgage specialist in Dunkirk, Maryland helps homeowners aged 62 and older access home equity without monthly payments. Maryland law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage. Specialists guide clients through the process, explaining how the loan affects heirs and estate planning under state regulations.
What Does a Reverse Mortgage Specialist in Dunkirk Cost?
Typical costs for a reverse mortgage in Maryland 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 costs like appraisal and title search. For a home valued at 400,000 dollars, total closing costs often range from 8,000 to 15,000 dollars. 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 Dunkirk Maryland?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The home must be the primary residence and meet HUD property standards. Maryland law does not add extra age or income requirements beyond federal HECM rules.
Do I need counseling before getting a reverse mortgage in Maryland?
Yes, Maryland law requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session covers loan terms, costs, and alternatives. The counselor must be independent of the lender.
How does a reverse mortgage affect my heirs in Dunkirk Maryland?
Heirs can repay the loan by selling the home or using other funds. If the loan balance exceeds the home value, heirs owe no more than 95 percent of the appraised value under Maryland law. Heirs have 12 months after the last borrower dies to decide.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Dunkirk who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Maryland.