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Directory of reverse mortgage specialists in Crozet, Virginia. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Crozet, VA
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 Virginia before hiring.
Showing 3 reverse mortgage specialists in Crozet, VA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Andy Zemon Team at Novus Home Mortgage
5405 Ashlar Ave Unit 101, Crozet, VA 22932
4344436557
Blue Ridge Settlement
1186 Crozet Ave, Crozet, VA 22932
4342054276
American Nationwide Mortgage Company
5690 Three Notch'd Rd, Crozet, VA 22932
4342494080
Reverse mortgage specialists in Crozet Virginia help seniors aged 62 and older access home equity through a Home Equity Conversion Mortgage (HECM) insured by the Federal Housing Administration. Virginia law requires borrowers to complete a counseling session with a HUD-approved counselor before applying. Crozet residents can work with local lenders who understand the Charlottesville area real estate market and Virginia property tax deferral programs.
What Does a Reverse Mortgage Specialist in Crozet Cost?
Typical costs for a reverse mortgage in Virginia include an origination fee up to 2 percent of the home value capped at 6000 dollars, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees like appraisal title and recording costs ranging from 2000 to 5000 dollars. Closing costs in the Crozet area generally total 8000 to 15000 dollars depending on the loan amount and property value. 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 Crozet Virginia?
Borrowers must be at least 62 years old. If there are two borrowers on the title both must meet this age requirement. Virginia law follows federal HECM guidelines on age limits.
Do I need to own my home free and clear to qualify in Crozet?
No you can have an existing mortgage but the reverse mortgage proceeds must first pay off that loan. The home must be your primary residence and meet FHA property standards. Virginia does not have additional state-specific lien requirements.
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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 Virginia.