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Looking for a reverse mortgage specialist in Ashland? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Ashland, OR
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 Oregon before hiring.
Showing 8 reverse mortgage specialists in Ashland, OR
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Strategy One Home Loans - Melissa Redding
40 N Main St #8, Ashland, OR 97520
5417085626
Michael Sallee
180 Clear Creek Dr STE 101, Ashland, OR 97520
5418214724
loanDepot Dave Porter
344 E Main St, Ashland, OR 97520
5417084020
AMK Home Loans LLC
131 Gaerky Creek Rd Suite B, Ashland, OR 97520
5419414888
loanDepot
344 E Main St, Ashland, OR 97520
5417084000
Ashland Reverse Mortgage
64 N Pioneer St, Ashland, OR 97520
9738422448
Elite Mortgage
853 Pompadour Dr, Ashland, OR 97520
5413015825
CLEAR MORTGAGE, LLC
300 E Hersey St #10d, Ashland, OR 97520
5414823222
Reverse mortgage specialists in Ashland, Oregon help homeowners aged 62 and older convert part of their home equity into tax-free funds without selling their home. Oregon law requires borrowers to complete a counseling session with a HUD-approved counselor before applying for a Home Equity Conversion Mortgage (HECM). Local specialists can guide you through the process and explain how Oregon property tax deferral programs may interact with reverse mortgage proceeds.
What Does a Reverse Mortgage Specialist in Ashland Cost?
Typical costs for a reverse mortgage in Oregon include an origination fee (up to $6,000 or 2% of the homes value, whichever is less), a mortgage insurance premium (2% of the appraised value upfront, plus 0.5% annually), appraisal fees ($400 to $800), and closing costs ($1,000 to $3,000). Total costs often range from $5,000 to $15,000 depending on the homes value and loan type. These costs are usually financed into the loan rather than paid out of pocket. This information is general and does not constitute 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 Ashland Oregon?
You must be at least 62 years old to qualify for a reverse mortgage in Oregon. The youngest borrower on the title must meet this age requirement. If you are married and your spouse is under 62, they may still be protected under certain HECM rules.
Do I need to own my home free and clear to get a reverse mortgage in Ashland?
No, you do not need to own your home free and clear. You can use a reverse mortgage to pay off an existing mortgage or other liens. The amount you can borrow depends on your age, the homes appraised value, and current interest rates.
Are reverse mortgage proceeds taxable in Oregon?
Reverse mortgage proceeds are generally not considered taxable income by the IRS or the state of Oregon. They are treated as a loan advance, not income. However, you should consult a tax professional for your specific situation.
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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 Oregon.