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Directory of reverse mortgage specialists in Troy, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Troy, MI
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 Michigan before hiring.
Showing 20 reverse mortgage specialists in Troy, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
MortgagePros
880 W Long Lake Rd Suite 300, Troy, MI 48098
2484161361
Hall Financial
1650 Research Dr Suite 200, Troy, MI 48083
8662255425
eMortgage Funding LLC
320 E Big Beaver Rd #400, Troy, MI 48083
8442533673
Vema Mortgage LLC
3250 W Big Beaver Rd Suite 540, Troy, MI 48084
8778008362
Imperium Lending
Top of Troy, 755 W Big Beaver Rd Suite 625, Troy, MI 48084
2487812242
Lit Financial
3221 W Big Beaver Rd, Troy, MI 48084
8002383038
National Mortgage Home Loans
4107 John R Rd Suite 100, Troy, MI 48085
2488642200
Lending Force
50 W Big Beaver Rd #300, Troy, MI 48084
8337035363
C4D MORTGAGE
100 E Big Beaver Rd #940, Troy, MI 48083
8004944975
Lend-A-Loan
340 E Big Beaver Rd Bldg. C, Suite #400, Troy, MI 48083
2487812800
United Mortgage Lending, LLC - NMLS# 2220134
999 W Big Beaver Rd 3rd Floor, Troy, MI 48084
8005329499
Safetrust Mortgage LLC
100 E Big Beaver Rd Suite 930B, Troy, MI 48083
8664642343
Ease Mortgage
1050 Wilshire Dr Suite 300, Troy, MI 48084
2488470501
National Mortgage Funding
3310 W Big Beaver Rd Suite 105, Troy, MI 48084
8336631663
Perry Johnson Mortgage Company, Inc.
Top of Troy, 755 W Big Beaver Rd #1340, Troy, MI 48084
8008000450
MortgageUSA, LLC
3250 W Big Beaver Rd Suite 342, Troy, MI 48084
8336678872
Best Rate Mortgage
3250 W Big Beaver Rd #303, Troy, MI 48084
2488253300
Coast 2 Coast Lenders, LLC
3310 W Big Beaver Rd Suite 250, Troy, MI 48084
8002186505
Impact Loans
850 Stephenson Hwy #310, Troy, MI 48083
3133092070
Blue Whale Lending
50 W Big Beaver Rd suite 650, Troy, MI 48084
2487171439
A reverse mortgage specialist in Troy Michigan helps homeowners aged 62 and older convert part of their home equity into cash without selling the home. Michigan law requires borrowers to complete a counseling session with a HUD-approved agency before applying for a Home Equity Conversion Mortgage. Local specialists understand Troy market values and can explain how Michigan property tax deferral programs interact with reverse mortgage proceeds.
What Does a Reverse Mortgage Specialist in Troy Cost?
Typical costs for a reverse mortgage in Michigan include an origination fee up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal title search and recording. These fees often total between 3000 and 8000 dollars depending on the home value. Loan costs are usually financed into the loan balance rather than paid upfront. This is general information 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 Troy Michigan?
Borrowers must be at least 62 years old. If the home is owned jointly with a spouse, the younger spouse must also meet the age requirement. Michigan follows federal HUD guidelines for age eligibility.
Do I need counseling before getting a reverse mortgage in Michigan?
Yes, Michigan 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 from the lender.
Can I lose my home with a reverse mortgage in Troy?
You can lose your home if you fail to pay property taxes, homeowners insurance, or maintain the property. Michigan law gives lenders the right to foreclose if these obligations are not met. You must also continue living in the home as your primary residence.
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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 Michigan.