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Compare Reverse Mortgage Specialists in Ramsey, NJ
Browse reverse mortgage specialists serving Ramsey, New Jersey. Contact information and addresses listed below.
5 agents listed
Updated May 2026
Ramsey, 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 5 reverse mortgage specialists in Ramsey, 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.
Opulence Funding/Opulence Home Equity
500 N Franklin Tpke #303, Ramsey, NJ 07446
8006100293
Waterstone Mortgage Corporation
82 W Main St Unit 1A, Ramsey, NJ 07446
8003541149
Clo Mortgage Group
47 N Franklin Tpke, Ramsey, NJ 07446
8455701228
Neil Surgenor - Mortgage Loan Officer
1100 Lake St, Ramsey, NJ 07446
2129339900
Patrick Nicholson - Community Mortgage Loan Officer
535 E Crescent Ave, Ramsey, NJ 07446
2018033504
A reverse mortgage specialist in Ramsey, New Jersey can help homeowners aged 62 and older convert home equity into tax-free funds. New Jersey law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Local specialists understand Bergen County property values and can guide you through the process.
What Does a Reverse Mortgage Specialist in Ramsey 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 for appraisal and title services. Total closing costs often range from 2,000 to 6,000 dollars depending on the property value and loan type. These costs are usually financed into the loan rather than paid 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 eligibility requirements for a reverse mortgage in Ramsey New Jersey?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The property must be your primary residence and meet FHA standards. New Jersey law also requires you to attend a counseling session with a HUD-approved counselor.
How does a reverse mortgage affect my heirs in New Jersey?
Heirs can keep the home by paying off the loan balance or selling the property. If they sell, any remaining equity after repaying the loan goes to them. New Jersey law protects heirs from being personally liable for a deficiency if the home value is less than the loan balance.
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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.