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Compare Reverse Mortgage Specialists in Apple Valley, MN
Compare reverse mortgage specialists in Apple Valley. Review contact information and insurance categorys before you decide.
10 agents listed
Updated May 2026
Apple Valley, MN
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 Minnesota before hiring.
Showing 10 reverse mortgage specialists in Apple Valley, MN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Lynne Violett - Movement Mortgage
7300 147th St W STE 402, Apple Valley, MN 55124
9522205728
Bell Bank Mortgage, Cindy Zemien
15322 Galaxie Ave Suite 112, Apple Valley, MN 55124
9529055563
Sergey Dobkin - Movement Mortgage
7300 147th St W STE 402, Apple Valley, MN 55124
6123848485
Tom Smith Powered by Society Mortgage
7300 147th St W Suite 201, Apple Valley, MN 55124
6123867672
Sheryl Nelson | Mortgage Loan Officer | Home Mortgage
15451 Founders Ln, Apple Valley, MN 55124
9522208605
Wings - Mortgage
15025 Glazier Ave, Apple Valley, MN 55124
9529978234
Bell Bank Mortgage, Joe Zemien
15322 Galaxie Ave Suite 112, Apple Valley, MN 55124
9529055589
US Bank Mortgage
15025 Garrett Ave #201, Apple Valley, MN 55124
8008722657
Andy Zweber, Wings Financial - Mortgage
15025 Glazier Ave, Apple Valley, MN 55124
9529978380
Dan Karnowski-U.S. Bank Mortgage
15025 Garrett Ave, Apple Valley, MN 55124
9522083218
A reverse mortgage specialist in Apple Valley Minnesota helps seniors aged 62 and older access home equity without monthly payments. Minnesota law requires borrowers to complete HUD-approved counseling before applying. Specialists in Apple Valley guide clients through the process and explain how a reverse mortgage affects estate planning and local property taxes.
What Does a Reverse Mortgage Specialist in Apple Valley Cost?
Typical costs for a reverse mortgage specialist in Minnesota include an origination fee of up to 2 percent of the home value and a mortgage insurance premium of 2 percent of the appraised value. Third-party costs like appraisal title search and recording fees range from 500 to 1500 dollars. Total closing costs often fall between 3000 and 8000 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 qualifications does a reverse mortgage specialist need in Apple Valley Minnesota?
Specialists must hold a valid Minnesota mortgage originator license. They also need to complete annual continuing education on reverse mortgage rules. Many work for lenders approved by the Federal Housing Administration FHA.
How does Minnesota law affect reverse mortgage proceeds in Apple Valley?
Minnesota exempts reverse mortgage proceeds from state income tax. Borrowers must still pay property taxes and homeowners insurance. The loan becomes due when the last borrower moves out or passes away.
What is the counseling requirement for a reverse mortgage in Apple Valley Minnesota?
Minnesota law requires all borrowers to complete a counseling session with a HUD-approved agency. The session covers loan terms costs and alternatives. A certificate of completion is needed before the lender can process the application.
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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 Minnesota.