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Compare Reverse Mortgage Specialists in Oxford, AL
Looking for a reverse mortgage specialist in Oxford? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Oxford, AL
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 Alabama before hiring.
Showing 9 reverse mortgage specialists in Oxford, AL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Advance America
155 Plaza Ln, Oxford, AL 36203
2568317730
Easy Money
209 Grace St, Oxford, AL 36203
2564032400
Cynthia Roden and Brad Bentley | Fairway Independent Mortgage Corp
1047 Hamric Dr E, Oxford, AL 36203
2563101807
Regional Finance
1225 Snow St Suite 4, Oxford, AL 36203
2568351374
SC Mortgage Team -Fairway Independent Mortgage Corporation
250 Spring Branch Rd, Oxford, AL 36203
2563102485
LendNation
650 S Quintard Ave, Oxford, AL 36203
2568353883
Miranda Kelley - Team Acopia | Lower Mortgage
1711C Hillyer Robinson Industrial Pkwy C, Oxford, AL 36203
2564532479
Southwest Funding
1600 Hillyer Robinson Industrial Pkwy Suite D, Oxford, AL 36203
2563129485
Edwin Mortgage Team at Edge Home Finance
7 Snow St, Oxford, AL 36203
2563716811
A reverse mortgage specialist in Oxford, Alabama helps homeowners aged 62 and older convert home equity into tax-free funds. Alabama law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Oxford residents often use these loans to supplement retirement income or pay for home repairs.
What Does a Reverse Mortgage Specialist in Oxford Cost?
Typical costs for a reverse mortgage in Alabama include an origination fee of up to 2 percent of the home value (capped at 6,000 dollars), 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 5,000 to 15,000 dollars depending on the home value and lender. These costs are usually financed into the loan. This is general information and does not constitute 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 Oxford Alabama?
Borrowers must be at least 62 years old. The youngest borrower on the title must meet this age requirement under federal HECM rules. Alabama law does not add extra age restrictions beyond federal guidelines.
Do I need counseling before getting a reverse mortgage in Alabama?
Yes, Alabama requires all borrowers to attend a counseling session with a HUD-approved counselor. This session covers loan terms, costs, and alternatives. The counselor must be independent from the lender.
Can I lose my home with a reverse mortgage in Oxford Alabama?
You can lose your home if you fail to pay property taxes, homeowners insurance, or maintain the property. Alabama law does not provide special protections beyond federal HECM requirements. You must keep the home as your primary residence.
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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 Alabama.