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Compare reverse mortgage specialists in Clifton Park. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Clifton Park, NY
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 York before hiring.
Showing 7 reverse mortgage specialists in Clifton Park, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
The Mortgage Place Inc
646 Plank Rd Suite 102, Clifton Park, NY 12065
5189820480
1st Priority Mortgage, Inc.
1547 US-9 #2, Clifton Park, NY 12065
5183486900
Trustco Bank
1541 Crescent Rd, Clifton Park, NY 12065
5183830039
Aamtrust Mortgage
10 Maxwell Dr Suite 204, Clifton Park, NY 12065
5183842274
Ryan Mortgage Team at Guaranteed Rate
7 Southside Dr, Clifton Park, NY 12065
5188571847
Right Trac Financial Group
440 NY-146, Clifton Park, NY 12065
5182807009
Empire Asset Management Group
6 Executive Park Dr, Clifton Park, NY 12065
5184656447
A reverse mortgage specialist in Clifton Park New York helps older homeowners access home equity without selling their property. New York law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Local specialists guide clients through the process and explain how a reverse mortgage affects estate planning and property taxes in Saratoga County.
What Does a Reverse Mortgage Specialist in Clifton Park Cost?
Reverse mortgage costs in New York typically include an origination fee (up to $6,000), a mortgage insurance premium (2% of the home value upfront plus 0.5% annually), and third-party fees for appraisal title search and recording. Total closing costs usually range from $5,000 to $15,000 depending on the home value and lender. These costs are often rolled into the loan balance. 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 Park New York?
All borrowers must be at least 62 years old. New York state follows federal HECM rules which set this minimum age. The youngest borrower on the title must meet this requirement.
Do I need counseling before getting a reverse mortgage in New York?
Yes. New York law requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session must happen at least 10 days before you can sign the loan documents.
Can I lose my home with a reverse mortgage in Clifton Park?
You can lose your home if you fail to pay property taxes or homeowners insurance, or if you do not maintain the property. New York law provides a 30-day notice period before foreclosure can begin for missed tax payments.
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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 York.