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Find Reverse Mortgage Specialists in Little Falls Township, NJ

Compare reverse mortgage specialists in Little Falls Township. Review contact information and insurance categorys before you decide.

13 agents listed
Updated June 2026
Little Falls Township, 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 State Mortgage Licensing Authority of New Jersey before hiring.
Showing 13 reverse mortgage specialists in Little Falls Township, 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.
Luminate Bank - Legacy Division
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 310-5161 legacymortgagedivision.com
Mark Casamassina at Luminate Bank
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 435-3505 markcas.njlenders.com
Isolina Fernandez-Kirchner Loan Officer - Spanish Speaking
219 Paterson Ave, Little Falls Township, NJ 07424
(732) 887-0555 isolina.goluminate.com
Fabio Gulla at NJ Lenders Corp.
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 610-6386 fabiogulla.goluminate.com
Sandy Davis at NJ Lenders Corp. NMLS#: 172843
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 670-9702 crosscountrymortgage.com
Angelo Lefer at Luminate Bank
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 200-3323 angelolefer.goluminate.com
Ryan Barry at Luminate Bank
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 454-5183 ryanbarry.njlenders.com
Mark Veech - Luminate Bank
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 557-8790 markveechmortgage.com
Robert Veech at Luminate Bank
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 715-6669 robertveech.goluminate.com
Robert Glasser of NJ Lenders Corp
219 Paterson Ave, Little Falls Township, NJ 07424
(973) 200-3396 rob.njlenders.com
Lisa Aflalo at Luminate Bank
219 Paterson Ave # B5, Little Falls Township, NJ 07424
(973) 865-1116 lisaaflalo.goluminate.com
Michael Gibney at NJ Lenders Corp.
219 Paterson Ave, Little Falls Township, NJ 07424
(551) 486-4169 michaelgibney.njlenders.com
RAM Mortgage Partners LLC
88 Main St Suite 203, Little Falls Township, NJ 07424
(201) 942-1440 therammp.com

A reverse mortgage specialist in Little Falls Township, New Jersey helps seniors access home equity without monthly payments. New Jersey law requires borrowers to complete HUD-approved counseling before applying. Local specialists can guide you through the HECM process and explain how New Jersey property tax deferral programs may interact with your reverse mortgage.

What Does a Reverse Mortgage Specialist in Little Falls Township 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 and title search. These costs can range from 3000 to 8000 dollars depending on the home value. 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 qualifications should a reverse mortgage specialist have in New Jersey?
A specialist should hold a valid New Jersey mortgage loan originator license. They must follow federal HECM rules and New Jersey consumer protection laws. Look for someone with experience in FHA-insured reverse mortgages.
How does New Jersey law affect reverse mortgage proceeds?
New Jersey does not tax reverse mortgage proceeds as income. However, borrowers must still pay property taxes and homeowners insurance. The state offers a property tax freeze program for seniors that can help manage costs.
Can a reverse mortgage be foreclosed in Little Falls Township?
Yes, if the borrower fails to pay property taxes or maintain the home. New Jersey law requires a notice period before foreclosure. Borrowers must also keep up with homeowners insurance and HOA fees.

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