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Find Reverse Mortgage Specialists Near You in Pharr, TX
Directory of reverse mortgage specialists in Pharr, Texas. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Pharr, 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 3 reverse mortgage specialists in Pharr, 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.
Toledo Finance
1701 S Cage Blvd #102, Pharr, TX 78577
9567818300
Edgar Hernandez | Branch Manager | Primary Residential Mortgage, Inc.
3900 N Jackson Rd Suite 105, 108, 115, Pharr, TX 78577
9564577498
Primary Residential Mortgage, Inc.
3900 N Jackson Rd 108, 115, Pharr, TX 78577
9564911737
Reverse mortgage specialists in Pharr, Texas help homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. Texas law requires a mandatory counseling session with a HUD-approved counselor before applying. Specialists guide clients through the unique rules of the Texas Home Equity Conversion Mortgage program, which is regulated by the Texas Constitution.
What Does a Reverse Mortgage Specialist in Pharr Cost?
Typical costs for a reverse mortgage in Pharr, Texas 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. Total closing costs often range from 3,000 to 8,000 dollars depending on the home value and loan type. These costs can be financed into the loan. 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 Pharr Texas?
Borrowers must be at least 62 years old. If married, the younger spouse must also be 62 or the loan may require special planning. Texas law follows federal HUD guidelines for age eligibility.
Do I need counseling before getting a reverse mortgage in Texas?
Yes. Texas law requires all borrowers to complete a counseling session with a HUD-approved counselor before applying. This session explains the loan terms, costs, and alternatives. The counselor must be independent from the lender.
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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.