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Compare Reverse Mortgage Specialists in Rochester, NY
Browse reverse mortgage specialists serving Rochester, New York. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Rochester, 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 20 reverse mortgage specialists in Rochester, 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.
PrimeLending, A PlainsCapital Company - Monroe
3144 S Winton Rd Suite 600, Rochester, NY 14623
5856250866
Premium Mortgage Corporation
2541 Monroe Ave, Rochester, NY 14618
5852410000
Robb E Everhart | Fairway Independent Mortgage Corporation Area Manager
3246 Monroe Ave Suite 250, Rochester, NY 14618
5855079962
Joe Petralia, Mortgage Loan Officer @ Genesee Regional Bank (GRB)
Alex Bolton, Mortgage Loan Officer @ Genesee Regional Bank
1850 S Winton Rd, Rochester, NY 14618
5858572966
Fairway Independent Mortgage Corporation
3246 Monroe Ave Suite 250, Rochester, NY 14618
5855121090
Brittany Linder, Mortgage Loan Originator @ Cross Country Mortgage
2050 S Clinton Ave Suite A, Rochester, NY 14618
5852172825
The Powers Team at GRB, Melissa Powers, Loan Officer NMLS #1413349
1850 S Winton Rd, Rochester, NY 14618
5857710138
Sheryl Bauer
1840 S Winton Rd Suite B, Rochester, NY 14618
5857377753
Movement Mortgage- Robert Camp
1840 S Winton Rd Suite B, Rochester, NY 14618
5858208935
Tim Cone, Mortgage Originator, NMLS #1294393
1850 S Winton Rd, Rochester, NY 14618
5852366240
Andrew Feinberg at CrossCountry Mortgage
2050 S Clinton Ave Suite A, Rochester, NY 14618
5859102837
Sean Palma Primelending NMLS 1089452
3144 S Winton Rd, Rochester, NY 14623
5852338373
Moneyline New York, LLC
502 Audubon Trail, Rochester, NY 14622
5852339766
A reverse mortgage specialist in Rochester New York helps homeowners aged 62 and older convert home equity into loan proceeds. New York state law requires all reverse mortgage originators to hold a valid mortgage loan originator license and provide borrowers with mandatory counseling from a HUD-approved agency. Specialists in Rochester guide clients through the unique requirements of New York regulations including the three-day right of rescission period.
What Does a Reverse Mortgage Specialist in Rochester Cost?
Typical costs for a reverse mortgage in New York include an origination fee of up to 2 percent of the first 200000 dollars of the home value plus 1 percent of the amount over 200000. Third-party costs such as appraisal title insurance and recording fees can range from 2000 to 5000 dollars. The mandatory HUD counseling session costs around 125 dollars. All costs are usually rolled into the loan balance. 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 New York?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The property must be the primary residence and meet FHA property standards. New York law also requires completion of a HUD-approved counseling session before the loan can proceed.
How does New York state law affect reverse mortgage terms?
New York General Business Law Section 6-1601 requires lenders to provide a clear disclosure of all loan terms and costs. Borrowers have a three-day right to cancel the loan after signing. New York also prohibits lenders from requiring borrowers to purchase other financial products as a condition of the loan.
What types of reverse mortgages are available in Rochester New York?
The most common type is the Home Equity Conversion Mortgage or HECM which is insured by the FHA. Proprietary reverse mortgages are also available for higher-value homes. Specialists can explain the differences including loan limits and repayment options specific to New York.
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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.