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Find Reverse Mortgage Specialists Near You in Mechanicsville, VA
Looking for a reverse mortgage specialist in Mechanicsville? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Mechanicsville, 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 7 reverse mortgage specialists in Mechanicsville, 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.
Tori McConnell Mortgage Team
6366 Mechanicsville Tpke Ste 202, Mechanicsville, VA 23111
8143304221
Emily Young
6366 Mechanicsville Tpke Ste 202, Mechanicsville, VA 23111
8043146156
Valerie Holbrook
9464 Chamberlayne Rd # 101, Mechanicsville, VA 23116
8045103425
April Lee
6366 Mechanicsville Tpke Ste 202, Mechanicsville, VA 23111
8773141499
1st Call Mortgage
8339 Wetherden Dr, Mechanicsville, VA 23111
8043864014
Christopher Watson
9097 Atlee Station Rd #100, Mechanicsville, VA 23116
8042670542
United Financial Mortgage, LLC
6955 Henrietta Ct, Mechanicsville, VA 23111
8048141168
Reverse mortgage specialists in Mechanicsville Virginia help homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. Virginia law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage HECM. Mechanicsville seniors near Richmond can access local counseling agencies and title companies familiar with Virginia property tax deferral programs.
What Does a Reverse Mortgage Specialist in Mechanicsville 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 for appraisal title search and recording which range from 1000 to 3000 dollars. Virginia also charges a state recordation tax of 1 dollar per 100 dollars of loan amount. 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 qualifications must a reverse mortgage specialist have in Virginia?
In Virginia reverse mortgage specialists must hold a valid mortgage loan originator license through the Nationwide Multistate Licensing System NMLS. They must also follow federal HECM rules and Virginia-specific disclosure requirements for senior borrowers.
Are there Virginia-specific protections for reverse mortgage borrowers?
Yes Virginia law requires a three-day right of rescission after closing and mandates that lenders provide a list of HUD-approved counseling agencies. Virginia also prohibits lenders from requiring borrowers to purchase other financial products with the reverse mortgage.
How does a Mechanicsville resident start the reverse mortgage process?
First the homeowner must attend HUD-approved counseling either in person or by phone. Then they can meet with a licensed specialist to review loan options and costs. Finally the property must appraise and the borrower must complete a financial assessment.
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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 Virginia.