ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare reverse mortgage specialists in Dunellen. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Dunellen, 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 3 reverse mortgage specialists in Dunellen, 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.
Shianna Patron
121 N Washington Ave Suite 1, Dunellen, NJ 08812
2019035462
MortgageswithStephany
121 N Washington Ave, Dunellen, NJ 08812
9084058152
CrossCountry Mortgage, LLC
200 Pulaski St, Dunellen, NJ 08812
8487029174
Reverse mortgage specialists in Dunellen, New Jersey help homeowners aged 62 and older convert part of their home equity into tax-free funds without selling their home. New Jersey law requires all reverse mortgage loan originators to be licensed through the New Jersey Department of Banking and Insurance. These specialists guide clients through the federally insured Home Equity Conversion Mortgage (HECM) process, including mandatory counseling and financial assessment requirements.
What Does a Reverse Mortgage Specialist in Dunellen 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 $6,000), a mortgage insurance premium of 2 percent of the appraised value, and third-party fees such as appraisal ($400 to $800), title search, and recording fees. Counseling costs range from $125 to $250. Total closing costs often range from $5,000 to $12,000 depending on the home value and lender. 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 eligibility requirements for a reverse mortgage in Dunellen?
You must be at least 62 years old, own your home outright or have a low mortgage balance, and live in the home as your primary residence. New Jersey law also requires you to complete a HUD-approved counseling session before applying.
How does New Jersey law affect reverse mortgage proceeds?
New Jersey does not tax reverse mortgage proceeds as income, and they do not affect Social Security or Medicare benefits. However, you must still pay property taxes, homeowners insurance, and maintain the home as required by HUD.
What happens to the reverse mortgage if I move or sell my home in Dunellen?
If you sell your home or move out permanently, the reverse mortgage becomes due and payable. You or your heirs will have up to 12 months under New Jersey law to repay the loan or sell the property without penalty.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Dunellen who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 New Jersey.