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Compare Reverse Mortgage Specialists in Livingston, NJ
Compare reverse mortgage specialists in Livingston. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Livingston, 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 Livingston, 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.
American Mortgage Company
179 S Livingston Ave, Livingston, NJ 07039
9732146214
American Mortgage Co
154 S Livingston Ave Suite 102, Livingston, NJ 07039
9732512786
What Does a Reverse Mortgage Specialist in Livingston Cost?
In New Jersey, reverse mortgage specialist costs include an origination fee capped at 2 percent of the first 200,000 dollars of home value plus 1 percent of the amount above 200,000 dollars. Third-party fees such as appraisal, title insurance, and recording fees add 1,500 to 4,000 dollars. HUD counseling costs about 125 to 250 dollars. Total costs for a typical Livingston home valued at 500,000 dollars may range from 8,000 to 12,000 dollars. This is general information and 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 Livingston New Jersey?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The home must be the primary residence and meet HUD property standards. New Jersey law also requires a financial assessment to ensure the borrower can pay property taxes and insurance.
How does New Jersey law affect reverse mortgage proceeds?
New Jersey follows federal HECM rules, but state law protects surviving spouses who are not on the loan. If the borrowing spouse dies, the non-borrowing spouse may remain in the home if they meet certain conditions. This rule applies to loans originated after August 4, 2014.
What costs are involved with a reverse mortgage specialist in Livingston?
Specialist fees typically include an origination fee of up to 2 percent of the home value, a mortgage insurance premium of 2 percent upfront, and third-party costs like appraisal and title search. Total closing costs in New Jersey often range from 5,000 to 10,000 dollars depending on the property value.
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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.