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Looking for a reverse mortgage specialist in Capitola? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Capitola, 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 7 reverse mortgage specialists in Capitola, 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.
Academy Mortgage - Santa Cruz - Capitola
1500 41st Ave #100, Capitola, CA 95010
8314761624
Matthew Falconer at CrossCountry Mortgage
4145 Clares St Suite F, 2nd Floor, Capitola, CA 95010
8313594430
Financial Solution Home Loans- Reverse and Forward mortgages. Jeri Skipper
1840 41st Ave STE 205, Capitola, CA 95010
8318180299
Change Home Mortgage
523 Capitola Ave, Capitola, CA 95010
8314600202
Dwayne Dawson - Argus Home Loans Real Estate Financing
621 Capitola Ave, Capitola, CA 95010
8315887288
Jose Mendoza - Karma Mortgage Solutions
830 Bay Ave A, Capitola, CA 95010
8312347082
Dwayne Dawson - Senior Loan Officer, Broker
621 Capitola Ave, Capitola, CA 95010
8315887288
Reverse mortgage specialists in Capitola California help homeowners aged 62 and older convert part of their home equity into loan proceeds without monthly payments. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage HECM. Specialists in Capitola can guide you through the process including property eligibility and loan repayment options.
What Does a Reverse Mortgage Specialist in Capitola Cost?
Reverse mortgage costs in California 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 costs like appraisal and title search ranging from 500 to 1500 dollars. Annual servicing fees may apply. These costs are typically financed into the loan. 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 is a reverse mortgage specialist in Capitola California?
A reverse mortgage specialist is a licensed professional who helps seniors access home equity through HECM loans. In Capitola they must follow California Department of Real Estate regulations and federal HUD guidelines. They provide counseling referrals and explain loan terms including interest rates and fees.
What are the California requirements for a reverse mortgage?
California law requires borrowers to attend a HUD-approved counseling session before applying. The borrower must be at least 62 years old and own the home outright or have a low mortgage balance. The property must be the primary residence and meet HUD property standards.
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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 California.