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Find Reverse Mortgage Specialists Near You in Utica, NY
Compare reverse mortgage specialists in Utica. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Utica, 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 8 reverse mortgage specialists in Utica, 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.
Homestead Funding Corp: Patrick McKenney | NMLS# 463228
1707 Oriskany St W Suite 110, Utica, NY 13502
3155255428
Homestead Funding Corp: David Husnay | NMLS# 1182166
1707 Oriskany St W Suite 110, Utica, NY 13502
3154158058
Homestead Funding Corp: Lauren Elizabeth DiMaggio | NMLS# 1192916
1707 Oriskany St W Suite 110, Utica, NY 13502
3152259643
Homestead Funding Corp. – Utica
1707 Oriskany St W Suite 110, Utica, NY 13502
3157905000
Merrill Lynch Wealth Management
102 Business Park Dr, Utica, NY 13502
3157389100
Homestead Funding Corp: Jennifer Noble | NMLS# 2437736
1707 Oriskany St W Suite 110, Utica, NY 13502
3152390131
Hart Settlement Group
2514 Genesee St, Utica, NY 13502
3157248657
Commercial Lending Utica NY
258 Genesee St, Utica, NY 13502
3158600536
A reverse mortgage specialist in Utica New York helps homeowners aged 62 and older convert home equity into tax-free funds. New York state law requires borrowers to complete mandatory counseling from a HUD-approved agency before applying. Utica residents often use these loans to supplement retirement income or cover home repairs.
What Does a Reverse Mortgage Specialist in Utica Cost?
Typical costs for a reverse mortgage in New York include an origination fee of up to 6000 dollars, a mortgage insurance premium of 2 percent of the home value, and appraisal fees around 500 dollars. Closing costs often range from 2000 to 5000 dollars. Counseling fees are usually 125 to 150 dollars. These costs vary by lender and loan type. 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 Utica New York?
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 FHA property standards. New York law also requires a financial assessment and mandatory counseling.
How does New York state law affect reverse mortgage terms?
New York requires a three-day right of rescission after closing, meaning you can cancel the loan without penalty. The state also mandates that lenders disclose all costs upfront. Non-borrowing spouses have protections under New York law if the borrowing spouse passes away.
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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.