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Directory of reverse mortgage specialists in Clifton, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
9 agents listed
Updated May 2026
Clifton, 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 9 reverse mortgage specialists in Clifton, 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.
Stephen Domenick l "The Mortgage Cop" l Veteran Mortgage Advisor l Legacy Mortgage
1037 US-46 Suite 101, Clifton, NJ 07013
2017260390
Legacy Mortgage Group Inc
1037 US-46 Suite 101, Clifton, NJ 07013
2019832366
The Mortgage Alley (Hablo Español)
1000 Clifton Ave Suite 100, Clifton, NJ 07013
9739870607
AMS Mortgage Services
1000 Clifton Ave Suite 100, Clifton, NJ 07013
9739160411
Hadi Endaz
1301 Main Ave 2nd Floor Suite R, Clifton, NJ 07011
9086236475
Ashley Ramos - Loan Officer - Quintessential Mortgage Group
777 Passaic Ave Suite 360, Clifton, NJ 07012
8622135084
Commercial Mortgage Depot
1000 Clifton Ave Suite 104, Clifton, NJ 07013
9737421111
Michael Turner | Legacy Mortgage Group Inc
1037 US-46 Suite 101, Clifton, NJ 07013
2016554713
FundRes Mortgage
777 Passaic Ave #220, Clifton, NJ 07012
9732497878
A reverse mortgage specialist in Clifton New Jersey helps seniors aged 62 and older convert home equity into tax free funds. New Jersey law requires mandatory counseling from a HUD approved agency before any reverse mortgage loan can be finalized. This service is designed for homeowners in Passaic County who want to stay in their homes while accessing cash for expenses.
What Does a Reverse Mortgage Specialist in Clifton Cost?
Typical costs for a reverse mortgage in New Jersey include an origination fee of up to 2 percent of the home value a mortgage insurance premium of 2 percent of the appraised value and third party fees such as appraisal title and recording fees. Total closing costs often range from 3000 to 8000 depending on the home value and loan type. These costs can be financed into the loan so you do not pay them upfront. 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 Clifton New Jersey?
You must be at least 62 years old to qualify for a Home Equity Conversion Mortgage in New Jersey. All borrowers listed on the title must meet this age requirement. The home must also be your primary residence.
Do I need counseling before getting a reverse mortgage in New Jersey?
Yes New Jersey law requires you to complete a counseling session with a HUD approved counselor before you can apply. This session explains the loan terms costs and alternatives. The counselor must be independent from the lender.
Can I lose my home with a reverse mortgage in Clifton?
You can lose your home if you fail to pay property taxes or homeowners insurance or if you stop living in the home as your primary residence. New Jersey law also requires you to maintain the property in good condition. These obligations are part of the loan agreement.
Free • No Obligation
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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.