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Find Reverse Mortgage Specialists Near You in El Paso, TX
Directory of reverse mortgage specialists in El Paso, Texas. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
El Paso, TX
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 Texas before hiring.
Showing 20 reverse mortgage specialists in El Paso, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Western-Shamrock Finance
201 S Americas Ave #103, El Paso, TX 79907
9157901496
Change Home Mortgage - El Paso
11331 James Watt Dr F100, El Paso, TX 79936
9154938977
SecurityNational Mortgage THE EL PASO LENDING TEAM
1600 Lee Trevino Dr ST. A-1, El Paso, TX 79936
9159201763
Insight Mortgage Company
300 Thunderbird Dr, El Paso, TX 79912
9155253053
Rocky Mountain Mortgage Company
2244 Trawood Dr # 100, El Paso, TX 79935
9155933111
Home Plate Mortgage
6070 Gtwy Blvd E Ste 311, El Paso, TX 79905
9155405788
Sun City Home Loans
1155 Westmoreland Dr SUITE. 107 Suite130, El Paso, TX 79925
9152767629
ReAnn Gonzalez Mortgage Broker - Edge Home Finance
Eddie Flores III - Change Home Mortgage NMLS #1572747
11331 James Watt Dr F100, El Paso, TX 79936
9153461905
My Home Loans, LLC
11380 Montwood Dr Ste A5, El Paso, TX 79936
9159211003
JNC Mortgage Company
12300 Montwood Dr, El Paso, TX 79928
9158552111
A reverse mortgage specialist in El Paso Texas helps homeowners aged 62 and older convert part of their home equity into loan proceeds. Texas law requires a mandatory counseling session with a HUD-approved counselor before you can apply. The specialist can guide you through the Texas Property Code rules that protect your homestead from forced sale during the loan term.
What Does a Reverse Mortgage Specialist in El Paso Cost?
In Texas, reverse mortgage costs include an origination fee capped at 2 percent of the first 200,000 dollars of the home value plus 1 percent of the amount above 200,000 dollars. The upfront mortgage insurance premium is 2 percent of the appraised value. Appraisal fees in El Paso typically range from 450 to 600 dollars. Other closing costs such as title insurance and recording fees add 1,000 to 3,000 dollars. Total costs usually fall between 3,000 and 8,000 dollars depending on the home value and lender. 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 are the age requirements for a reverse mortgage in El Paso Texas?
You must be at least 62 years old to qualify for a Home Equity Conversion Mortgage in Texas. All borrowers listed on the title must meet this age requirement. The specialist will verify your age during the initial consultation.
How does the Texas homestead law affect a reverse mortgage?
Texas has strong homestead protections that limit how much equity you can access. The loan amount cannot exceed 80 percent of the appraised value for most properties. The specialist must follow Texas Property Code Section 50.001 to ensure your homestead rights are preserved.
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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 Texas.