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Looking for a reverse mortgage specialist in Stafford? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Stafford, 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 10 reverse mortgage specialists in Stafford, 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.
Mike Sanchez at Rate (NMLS #860048)
385 Garrisonville Rd Suite 117, Stafford, VA 22554
5406995419
Ken Melendez at Rate (NMLS #2037924)
385 Garrisonville Rd Suite 117, Stafford, VA 22554
5404277585
Priority Financial LLC
1267 Courthouse Rd, Stafford, VA 22554
5403188811
Motion Mortgage Inc
385 Garrisonville Rd Ste 97, Stafford, VA 22554
7032160338
Richard White at Novus Home Mortgage
800 Corporate Dr, Stafford, VA 22554
6786205244
Steve Harrison Mortgage Lender
385 Garrisonville Rd Suite 117, Stafford, VA 22554
7036250508
Steve Harrison at Rate (NMLS #995374)
385 Garrisonville Rd Suite 117, Stafford, VA 22554
5406995425
Movement Mortgage
306 Garrisonville Rd Suite 203, Stafford, VA 22554
8773141499
Rate
385 Garrisonville Rd Suite 117, Stafford, VA 22554
5404277595
NOVA Mortgage Specialists LLC
138 Mt Hope Church Rd, Stafford, VA 22554
5408343251
Reverse mortgage specialists in Stafford Virginia help homeowners aged 62 and older convert home equity into cash without selling their home. Virginia law requires that all reverse mortgage borrowers receive third-party counseling from a HUD-approved agency before closing. Specialists in Stafford guide clients through this process and explain the specific rules for Virginia properties including tax deferral programs.
What Does a Reverse Mortgage Specialist in Stafford Cost?
Typical costs for a reverse mortgage in Virginia 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 costs such as appraisal title and recording fees. Total costs often range from 5 000 to 15 000 depending on the home value and loan type. 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 does a reverse mortgage specialist need in Virginia?
In Virginia reverse mortgage specialists must be licensed mortgage loan originators. They must also ensure borrowers complete mandatory HUD-approved counseling before a loan can close. The specialist helps explain loan terms and the counseling requirement.
Are reverse mortgage proceeds taxable in Virginia?
Reverse mortgage proceeds are not considered taxable income by the IRS or the state of Virginia. However the interest on the loan is not deductible until the loan is paid off. Borrowers should consult a tax professional for their specific situation.
What happens to a reverse mortgage if the borrower moves out of Stafford?
If the borrower permanently moves out of the home the reverse mortgage becomes due. Virginia law requires the loan to be repaid within a specific timeframe usually 12 months. The borrower or their heirs may need to sell the home or refinance to pay off the loan.
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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.