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Find Reverse Mortgage Specialists Near You in Vestal, NY
Directory of reverse mortgage specialists in Vestal, New York. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Vestal, 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 Vestal, 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.
Mariner Finance
1901 Vestal Pkwy E Ste. 3, Vestal, NY 13850
6077487396
Homestead Funding Corp: Jack H. Goosman | NMLS# 1921152
4777 Vestal Pkwy E Suite #4, Vestal, NY 13850
6077971200
Homestead Funding Corp. – Vestal
4777 Vestal Pkwy E Suite #4, Vestal, NY 13850
6072242079
Faithward Advisors
4100 Vestal Rd Suite 105, Vestal, NY 13850
6072706210
RJ Barber| Lesko Financial Services
400 Plaza Dr suite a, Vestal, NY 13850
6076249448
Aspire Financial Group, LLC
231 Main St Suite 3, Vestal, NY 13850
6072396333
Edward Jones - Financial Advisor: Mitchell C Vestel
1901 Vestal Pkwy E Suite 5, Vestal, NY 13850
6077480131
Richard Bulger - HOME
3906 Vestal Pkwy E, Vestal, NY 13850
6077244381
A reverse mortgage specialist in Vestal, New York helps homeowners aged 62 and older access home equity without monthly payments. New York requires borrowers to complete a HUD-approved counseling session before applying. Local specialists guide clients through state-specific rules, including the mandatory three-day right of rescission and property charge requirements.
What Does a Reverse Mortgage Specialist in Vestal Cost?
In New York, reverse mortgage 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 that. Upfront mortgage insurance premiums are 2 percent of the appraised value. Third-party costs such as appraisal, title search, and recording fees typically range from 1,500 to 3,500 dollars. Counseling fees are usually 125 to 250 dollars but may be waived for low-income borrowers. 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 Vestal New York?
Borrowers must be at least 62 years old. All homeowners listed on the title must meet this age requirement. New York law does not allow exceptions for younger spouses.
Do I need counseling to get a reverse mortgage in New York?
Yes, New York requires all borrowers to complete a counseling session with a HUD-approved counselor. The session must occur at least 30 days before you can sign the loan documents. The counselor explains costs, obligations, and alternatives.
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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.