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Find Reverse Mortgage Specialists Near You in Cary, NC
Compare reverse mortgage specialists in Cary. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Cary, NC
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 North Carolina before hiring.
Showing 20 reverse mortgage specialists in Cary, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker)
160 Macgregor Pines Dr Ste 310b, Cary, NC 27511
9196995895
Pathway Mortgage Group, Inc.
140 Preston Executive Dr Suite 205D, Cary, NC 27513
9197458882
The Sherry Riano Team at Developer's Mortgage Company
215 E Chatham St Suite 301, Cary, NC 27511
9192347415
The Larry Mitchell Team - Silverton Mortgage
1140 Kildaire Farm Rd # 205, Cary, NC 27511
9198156807
Stephen Livesay, NMLS: 302285 - Silverton Mortgage
1140 Kildaire Farm Rd # 205, Cary, NC 27511
9196564516
First Home Mortgage - Cary/Raleigh
51 Kilmayne Dr STE 105, Cary, NC 27511
9193003010
Miller Lending Group
1135 Kildaire Farm Rd, Cary, NC 27511
9194473377
Fairway Independent Mortgage Corporation: Nevin Williams
1300 SE Maynard Rd #103, Cary, NC 27511
9197148796
Fairway Independent Mortgage Corporation
1300 SE Maynard Rd #103, Cary, NC 27511
9197251508
7 Locks Lending — Mortgages & Refinancing
15000 Weston Pkwy, Cary, NC 27513
9194125375
Mortgage Choice NMLS 89877
1003 High House Rd # 202, Cary, NC 27513
9196550330
Revolution Mortgage
100 Towerview Ct Ste 100, Cary, NC 27513
2524720005
Patrick Roman
150 Preston Executive Dr STE 201, Cary, NC 27513
9196751557
Silverton Mortgage - Apex
1140 Kildaire Farm Rd # 205, Cary, NC 27511
9802940126
Right By You Mortgage
100 W Chatham St Suite 300, Cary, NC 27511
8775522242
Grayton Mortgage, Inc.
280 Towerview Ct, Cary, NC 27513
9198537700
Best Mortgage Lending Corp
1143 Executive Cir C103, Cary, NC 27511
3057635427
38 Mortgage
201 W Chatham St #204, Cary, NC 27511
9845000250
Ashley Stephens - Mortgage Banker
51 Kilmayne Dr Ste 305, Cary, NC 27511
9195938777
Brightline Mortgage LLC
1200 SE Maynard Rd Suite#102, Cary, NC 27511
9194297400
Reverse mortgage specialists in Cary, North Carolina help homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. North Carolina law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Specialists guide clients through this process and explain how the loan affects estate planning and property taxes in Wake County.
What Does a Reverse Mortgage Specialist in Cary Cost?
Typical costs for a reverse mortgage in North Carolina include an origination fee of up to $6,000, a mortgage insurance premium of 2 percent of the home value, and third-party fees such as appraisal and title search totaling $500 to $2,000. Closing costs generally range from $2,000 to $8,000 depending on the loan amount and property value. 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 Cary North Carolina?
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 HUD property standards. North Carolina does not impose additional state-level requirements beyond federal HECM rules.
How does a reverse mortgage affect my heirs in North Carolina?
Heirs can repay the loan by selling the home or refinancing. If the loan balance exceeds the home value, heirs pay no more than 95 percent of the appraised value under HUD rules. North Carolina law does not allow lenders to pursue other assets of the estate.
Are reverse mortgage proceeds taxable in North Carolina?
Reverse mortgage proceeds are considered loan advances, not income, so they are not taxable at the federal or state level. However, interest on the loan is not deductible until the loan is repaid. Consult a tax professional for your specific situation.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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 North Carolina.