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Browse reverse mortgage specialists serving Kinston, North Carolina. Contact information and addresses listed below.
11 agents listed
Updated May 2026
Kinston, 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 11 reverse mortgage specialists in Kinston, 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.
Time Financing Service
1600 W Vernon Ave, Kinston, NC 28504
2522080142
National Finance Company
405 W Vernon Ave, Kinston, NC 28501
2525238107
Down East Realty & Custom Homes of Kinston
1504 W New Bern Rd, Kinston, NC 28504
2526430501
Ezzell Mortgage Group
2600 W Vernon Ave, Kinston, NC 28504
2525238171
OneMain Financial
506 Plaza Blvd, Kinston, NC 28501
2525223211
Lendmark Financial Services LLC
4167 W Vernon Ave, Kinston, NC 28504
2525235161
Future Financial Services LLC
827 Hardee Rd, Kinston, NC 28504
2525271503
Carolina Finance
803 N Queen St, Kinston, NC 28501
2525271035
SMC Home Finance
717 Rosanne Dr STE 1, Kinston, NC 28504
2525235800
East Carolina Mortgage
2506 N Herritage St Suite B, Kinston, NC 28501
2525238171
PNC Mortgage
609 Plaza Blvd, Kinston, NC 28501
2525592240
A reverse mortgage specialist in Kinston, North Carolina helps homeowners aged 62 and older convert part of their home equity into loan proceeds. North Carolina law requires borrowers to complete a counseling session with a HUD approved counselor before obtaining a Home Equity Conversion Mortgage. Local specialists guide clients through this process and explain how the loan affects estate planning and Medicaid eligibility.
What Does a Reverse Mortgage Specialist in Kinston Cost?
Typical costs for a reverse mortgage specialist in North Carolina include an origination fee of up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third party fees for appraisal, title search, and recording. These fees total between 2000 and 6000 dollars on average, but the exact amount depends on the home value and loan type. 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 does a reverse mortgage specialist in Kinston do?
A reverse mortgage specialist in Kinston helps seniors understand and apply for a Home Equity Conversion Mortgage. They explain loan terms, costs, and repayment rules. They also coordinate with HUD approved counselors as required by North Carolina law.
Are there age requirements for a reverse mortgage in North Carolina?
Yes. To qualify for a reverse mortgage in North Carolina, the youngest borrower must be at least 62 years old. This is a federal requirement for all Home Equity Conversion Mortgages.
What happens if I move out of my Kinston home after getting a reverse mortgage?
If you move out of your home for more than 12 consecutive months, the reverse mortgage becomes due and payable. This includes moving to a nursing home or other care facility. You or your heirs must then repay the loan or sell the home.
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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.