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Compare reverse mortgage specialists in Elko. Review contact information and insurance categorys before you decide.
13 agents listed
Updated May 2026
Elko, NV
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 Nevada before hiring.
Showing 13 reverse mortgage specialists in Elko, NV
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Guild Mortgage - Tara Gonzalez
905 Railroad St #201, Elko, NV 89801
7752994290
Arbor Financial Group - Ryan Bradshaw
321 5th St Suite 210 & 212, Elko, NV 89801
7753972001
Guild Mortgage - Morgan Lozano
905 Railroad St #201, Elko, NV 89801
7752994291
Guild Mortgage Company
905 Railroad St Suite 201, Elko, NV 89801
7752994290
Guild Mortgage - Hailee Simpson
905 Railroad St #201, Elko, NV 89801
7752994290
Amanda Bravo Mortgage Group
905 Railroad St #201, Elko, NV 89801
7754010633
Edward Jones - Financial Advisor: Tim Hatch, CFP®|AAMS®
397 Court St, Elko, NV 89801
7757485279
Lorena Lissolo - Movement Mortgage
171 W Silver St Ste 100, Elko, NV 89801
8773141499
Greater Nevada Mortgage
905 Railroad St #203, Elko, NV 89801
7757483011
Toni Polack - CMG Home Loans Mortgage Loan Officer NMLS # 843581
A reverse mortgage specialist in Elko, Nevada helps seniors aged 62 and older access home equity without monthly payments. Nevada law requires all reverse mortgage originators to hold a valid state license and follow federal HECM guidelines. Elko homeowners can use these loans to supplement retirement income or cover home repairs.
What Does a Reverse Mortgage Specialist in Elko Cost?
Typical costs for a reverse mortgage in Nevada include an origination fee up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value upfront plus 0.5 percent annually, and third-party costs such as appraisal and title fees. Total closing costs often range from 5,000 to 15,000 dollars depending on the home value and loan type. 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 Elko Nevada?
You must be at least 62 years old to qualify for a Home Equity Conversion Mortgage in Nevada. The primary borrower must live in the home as their main residence. Spouses under 62 may still be protected under certain HECM rules.
Do I need to own my home free and clear to get a reverse mortgage in Elko?
No, you do not need to own your home free and clear. You can have an existing mortgage, but the reverse mortgage proceeds must first pay off that loan. Your remaining equity determines how much you can borrow.
Are reverse mortgage proceeds taxable in Nevada?
No, reverse mortgage proceeds are not considered income by the IRS or the state of Nevada. They are loan advances and are tax-free. However, interest is not deductible until you pay it back.
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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 Nevada.