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Find Reverse Mortgage Specialists in Middletown, OH
Directory of reverse mortgage specialists in Middletown, Ohio. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Middletown, OH
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 Ohio before hiring.
Showing 6 reverse mortgage specialists in Middletown, OH
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Reliant Home Mortgage LLC
1422 S Breiel Blvd, Middletown, OH 45044
5137834018
MyUSA Credit Union
3600 Towne Blvd, Middletown, OH 45005
8006338905
W E Mortgage Service Inc
1440 South Brille Blvd, Middletown, OH 45044
9374286000
Chase Mortgage
2400 N Verity Pkwy, Middletown, OH 45042
5134258456
Chase Mortgage
1401 S Breiel Blvd, Middletown, OH 45044
5134258485
US Bank Mortgage
4320 Roosevelt Blvd, Middletown, OH 45044
8008722657
A reverse mortgage specialist in Middletown, Ohio can help homeowners aged 62 and older access home equity without monthly payments. Ohio law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage. Specialists guide clients through the process, including property eligibility and repayment rules specific to Ohio.
What Does a Reverse Mortgage Specialist in Middletown Cost?
Typical costs for a reverse mortgage specialist in Ohio include an origination fee capped at 2% of the first 200,000 dollars of home value plus 1% of the amount above that. Upfront mortgage insurance premium is 2% of the appraised value. Third-party fees such as appraisal, title search, and recording fees usually add 500 to 1,500 dollars. Total upfront costs often range from 3,000 to 8,000 dollars. 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 do in Middletown Ohio?
A reverse mortgage specialist helps homeowners understand HECM loans, assess eligibility, and navigate the application process. They coordinate with HUD-approved counselors and lenders to ensure compliance with Ohio and federal rules.
Are there Ohio specific rules for reverse mortgages?
Yes, Ohio requires that all reverse mortgage borrowers complete a counseling session with a HUD-approved agency. Additionally, Ohio law mandates that the loan proceeds be used only for the borrower's benefit, and the property must be the borrower's primary residence.
How much does a reverse mortgage cost in Ohio?
Costs include an origination fee up to 2% of the home value, a mortgage insurance premium of 2% of the appraised value, and third-party fees like appraisal and title search. Total upfront costs typically range from 2,000 to 6,000 dollars, but vary by 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 Ohio.