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Directory of reverse mortgage specialists in Matthews, North Carolina. Verify credentials with the state mortgage licensing authority before hiring.
13 agents listed
Updated May 2026
Matthews, 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 13 reverse mortgage specialists in Matthews, 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.
Derek Helms | Fairway Home Mortgage Retirement Mortgage Specialist
148 E Charles St Suite D, Matthews, NC 28105
7049891669
The NexLender
624 Matthews-Mint Hill Rd Suite 210, Matthews, NC 28105
8439542886
Discovery Mortgage LLC NMLS ID: 2472960
624 Matthews-Mint Hill Rd #212, Matthews, NC 28105
9802829497
A reverse mortgage specialist in Matthews, North Carolina helps homeowners aged 62 and older convert part of their home equity into loan proceeds. North Carolina law requires borrowers to receive counseling from a HUD-approved agency before closing on a Home Equity Conversion Mortgage (HECM). Matthews residents can use these funds for home repairs, medical expenses, or supplementing retirement income while continuing to own their home.
What Does a Reverse Mortgage Specialist in Matthews Cost?
Typical costs for a reverse mortgage in North Carolina include an origination fee of up to 2 percent of the home value (capped at 6,000 dollars), a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal, title search, and recording. Total closing costs often range from 8,000 to 15,000 dollars, but these can be financed into the loan. 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 age requirements for a reverse mortgage in Matthews North Carolina?
Borrowers must be at least 62 years old. If there are two borrowers on the title, the youngest borrower must meet this age requirement. North Carolina follows federal HECM guidelines for age eligibility.
Do I need to own my home free and clear to qualify for a reverse mortgage in Matthews?
No, you do not need to own your home free and clear. However, any existing mortgage or lien must be paid off with the reverse mortgage proceeds at closing. The home must be your primary residence.
What types of homes are eligible for a reverse mortgage in Matthews North Carolina?
Eligible properties include single-family homes, HUD-approved condominiums, and manufactured homes that meet FHA standards. The home must be in good condition and pass an FHA appraisal. Two-to-four unit properties are also eligible if the borrower occupies one unit.
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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.