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Compare Reverse Mortgage Specialists in Branchburg, NJ
Compare reverse mortgage specialists in Branchburg. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Branchburg, NJ
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 New Jersey before hiring.
Showing 2 reverse mortgage specialists in Branchburg, NJ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Amy Sodowich, Mortgage Lender
3040 US-22 Building 2, Branchburg, NJ 08876
9085246181
First Valley Funding
1031 US-202, Branchburg, NJ 08876
9082317390
A reverse mortgage specialist in Branchburg New Jersey helps older homeowners access home equity without monthly payments. New Jersey law requires borrowers to complete HUD-approved counseling before applying. Specialists 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 Branchburg Cost?
Typical costs for a reverse mortgage in New Jersey include an origination fee of up to 2 percent of the home value capped at 6000 dollars. Third-party fees such as appraisal title search and recording fees range from 1500 to 3500 dollars. Mortgage insurance premiums equal 2 percent of the home value upfront plus 0.5 percent annually. Counseling fees are usually 125 to 250 dollars. Costs vary by lender 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 Branchburg New Jersey?
Borrowers must be at least 62 years old. All homeowners listed on the title must meet this age requirement. New Jersey law does not allow exceptions for younger spouses.
Do I need counseling before getting a reverse mortgage in New Jersey?
Yes. New Jersey requires all borrowers to complete a counseling session with a HUD-approved counselor. The session covers loan terms costs and alternatives. You must receive a certificate of completion before the lender can process your application.
How does a reverse mortgage affect my New Jersey property taxes?
You must continue to pay property taxes and homeowners insurance. New Jersey offers property tax relief programs for seniors such as the Homestead Benefit. A reverse mortgage does not change your tax bill but failure to pay taxes can lead to foreclosure.
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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 New Jersey.