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Compare reverse mortgage specialists in Independence. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Independence, MO
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 Missouri before hiring.
Showing 2 reverse mortgage specialists in Independence, MO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Community Mortgage, LLC
19045 E Valley View Pkwy f, Independence, MO 64055
8665885533
HMKC Mortgage
17000 E US Hwy 40 Suite 100, Independence, MO 64055
8166789283
A reverse mortgage specialist in Independence, Missouri helps homeowners aged 62 and older convert part of their home equity into cash. Missouri law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Specialists guide you through this process and explain how the loan affects your property taxes and heirs.
What Does a Reverse Mortgage Specialist in Independence Cost?
Typical costs for a reverse mortgage specialist in Missouri include an origination fee of up to 2% of the first $200,000 of home value plus 1% of the amount over $200,000. Closing costs such as appraisal, title search, and recording fees range from $2,000 to $5,000. The upfront mortgage insurance premium is 2% of the loan amount. These costs are often financed into the loan. 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 Independence Missouri?
You must be at least 62 years old to qualify for a Home Equity Conversion Mortgage (HECM) in Missouri. All borrowers listed on the title must meet this age requirement.
Do I need counseling before getting a reverse mortgage in Missouri?
Yes, Missouri law requires you to complete a counseling session with a HUD-approved counselor before you can apply for a reverse mortgage. The specialist can provide a list of approved counselors.
Can I lose my home with a reverse mortgage in Independence?
You can lose your home if you fail to pay property taxes, homeowners insurance, or maintain the property. Missouri law allows the lender to foreclose if you do not meet these obligations.
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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 Missouri.