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Find Reverse Mortgage Specialists Near You in Oak Harbor, WA
Browse reverse mortgage specialists serving Oak Harbor, Washington. Contact information and addresses listed below.
13 agents listed
Updated May 2026
Oak Harbor, WA
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 Washington before hiring.
Showing 13 reverse mortgage specialists in Oak Harbor, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Envoy Mortgage - Oak Harbor, WA
520 E Whidbey Ave 107 & 111, Oak Harbor, WA 98277
3606394780
Peter DeVries with Epic Finance LLC Mortgage Brokers - Powered By Barrett Financial Group NMLS#181106
939 N Deer Park Ln, Oak Harbor, WA 98277
3607918064
Team Jackson Ozell & Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Guild Mortgage - Josh Hansen
2824 N Torpedo Rd, Oak Harbor, WA 98277
9712228440
Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Amy Shockley
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3609296586
PrimeLending
31650 State Rte 20, Oak Harbor, WA 98277
3606826307
CrossCountry Mortgage - Team Martin
144 NE Ernst St, Oak Harbor, WA 98277
3607707358
Team Jackson, CMG Home Loans - Oak Harbor
860 SE Bayshore Dr Ste 101, Oak Harbor, WA 98277
4255332473
Guild Mortgage - Jacki Jacukowicz
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3606756106
Tami Encinas
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3602796981
James Hart
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3608654292
US Bank Mortgage
836 NE Midway Blvd, Oak Harbor, WA 98277
8008722657
A reverse mortgage specialist in Oak Harbor Washington helps homeowners aged 62 and older access home equity. Washington state law requires borrowers to complete a counseling session with a HUD-approved counselor before obtaining a reverse mortgage. Oak Harbor residents benefit from local specialists who understand the unique housing market in Island County.
What Does a Reverse Mortgage Specialist in Oak Harbor Cost?
Typical costs for a reverse mortgage specialist in Washington 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 and title services. Total closing costs often range from 2,000 to 5,000 dollars. Costs vary by loan amount and lender. 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 does a reverse mortgage specialist in Oak Harbor do?
A reverse mortgage specialist guides you through the process of converting home equity into loan proceeds. They explain eligibility requirements, loan terms, and repayment obligations. In Washington, the specialist must ensure you receive mandatory counseling from a HUD-approved agency.
What are the eligibility rules for a reverse mortgage in Washington?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The home must be your primary residence. Washington law does not impose additional age or income requirements beyond federal HUD guidelines.
How does Washington law affect reverse mortgage counseling?
Washington requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session must occur at least seven days before you can sign loan documents. The counselor explains loan costs, alternatives, and potential risks.
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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 Washington.