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Compare reverse mortgage specialists in Northampton. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Northampton, MA
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 Massachusetts before hiring.
Showing 3 reverse mortgage specialists in Northampton, MA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Northampton Financial Services
243 King St, Northampton, MA 01060
8007910822
Richard Fox - Mortgage Loan Officer
175 Main St, Northampton, MA 01060
4132191772
Ostberg & Associates
351 Pleasant St, Northampton, MA 01060
4135866725
Reverse mortgage specialists in Northampton Massachusetts help homeowners aged 62 and older access home equity through FHA-insured HECM loans. Massachusetts law requires borrowers to complete a counseling session with a HUD-approved agency before applying. Northampton seniors can use these funds for home repairs healthcare or daily expenses while remaining in their homes.
What Does a Reverse Mortgage Specialist in Northampton Cost?
Typical costs for a reverse mortgage specialist in Massachusetts include an origination fee of up to 2 percent of the home value capped at 6000 dollars. Third-party costs such as appraisal title search and recording fees range from 1000 to 3000 dollars. The upfront mortgage insurance premium is 2 percent of the home value. Annual mortgage insurance is 0.5 percent of the loan balance. All costs vary by situation and lender. 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 Northampton Massachusetts?
Borrowers must be at least 62 years old. If there are co-borrowers the youngest must meet this age requirement. Massachusetts law does not add additional age restrictions beyond federal HUD rules.
Do I need to own my home free and clear to get a reverse mortgage in Northampton?
No you do not need to own your home free and clear. You can use a reverse mortgage to pay off an existing mortgage. The amount you can borrow depends on your age home value and current interest rates.
What counseling is required for a reverse mortgage in Massachusetts?
Massachusetts requires all reverse mortgage applicants to complete a counseling session with a HUD-approved housing counselor. This session covers loan terms costs and alternatives. Counselors are available in person or by phone for Northampton residents.
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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 Massachusetts.