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Looking for a reverse mortgage specialist in Arcata? Review the directory below to compare your options.
6 agents listed
Updated May 2026
Arcata, CA
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 California before hiring.
Showing 6 reverse mortgage specialists in Arcata, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Bailey Mortgage
934 H St, Arcata, CA 95521
7078229294
LPL Financial, Ken Houldsworth CFP, Amy Taylor
1400 10th St, Arcata, CA 95521
7078227241
Rick Bailey Mortgage Unlimited
934 H St, Arcata, CA 95521
7078229294
Edward Jones - Financial Advisor: Bryan M Plumley, CFP®|CIMA®
1165 G St suite e, Arcata, CA 95521
7078256511
Hii Mortgage Loans Arcata Ca
684 Hidden Creek Rd E, Arcata, CA 95521
7073888799
US Bank Mortgage
953 G St, Arcata, CA 95521
8008722657
A reverse mortgage specialist in Arcata, California helps homeowners aged 62 and older access home equity without monthly payments. California law requires mandatory counseling from a HUD-approved agency before obtaining a Home Equity Conversion Mortgage. Specialists in Humboldt County can guide you through this process and explain local property tax deferral options.
What Does a Reverse Mortgage Specialist in Arcata Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee of up to 2 percent of the first 200,000 dollars of home value plus 1 percent of the amount above that. Closing costs such as appraisal fees and title insurance often range from 2,000 to 5,000 dollars. Mandatory HUD counseling fees are usually 125 to 250 dollars. These costs can be financed into the loan. 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 qualifications must a reverse mortgage specialist have in California?
In California, reverse mortgage specialists must hold a valid mortgage loan originator license. They must also follow state rules including a three-day right of rescission after closing. Specialists often work with HECM loans insured by the Federal Housing Administration.
Are there income requirements for a reverse mortgage in Arcata?
There are no specific income requirements for a reverse mortgage in California. However lenders will review your ability to pay property taxes, insurance, and home maintenance. If you cannot meet these obligations the loan may not proceed.
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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 California.