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Reverse Mortgage Specialists in Citrus Heights, CA
Compare reverse mortgage specialists in Citrus Heights. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Citrus Heights, 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 Citrus Heights, 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.
Coastal Pacific Mortgage
5530 Birdcage St #110, Citrus Heights, CA 95610
9168441292
Veronica DeWitt | Home Loan Specialist at Barrett Financial Group
5750 Sunrise Blvd Ste 130 #E, Citrus Heights, CA 95610
5103968994
Stanford Mortgage
7919 Pebble Beach Dr # 207, Citrus Heights, CA 95610
9165364190
Thad Stanley - Reverse Mortgage Loan Originator at American Senior
7777 Greenback Ln #205, Citrus Heights, CA 95610
9167685916
Residential Home Loans
5751 Sunrise Blvd, Citrus Heights, CA 95610
9169525626
Sierra View Financial Corp.
6060 Sunrise Vista Dr #3300, Citrus Heights, CA 95610
9169896222
A reverse mortgage specialist in Citrus Heights, California helps homeowners aged 62 and older convert home equity into tax-free funds. California law requires mandatory counseling from a HUD-approved agency before you can apply for a Home Equity Conversion Mortgage (HECM). This process allows seniors in Citrus Heights to access cash while retaining home ownership, with no repayment due until the home is sold or the borrower moves out permanently.
What Does a Reverse Mortgage Specialist in Citrus Heights Cost?
Typical costs for a reverse mortgage specialist in Citrus Heights, California include an origination fee of up to 2 percent of the home value, an upfront mortgage insurance premium of 2 percent of the appraised value, and a monthly servicing fee of around 30 to 35 dollars. Third-party costs such as appraisal, title search, and escrow fees can add 1,500 to 3,000 dollars. Total closing costs often range from 5,000 to 10,000 dollars, but these can be 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 are the eligibility requirements for a reverse mortgage in Citrus Heights?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The property must be your primary residence. California law also requires you to complete a counseling session with a HUD-approved counselor before you can proceed with the loan.
How does California law affect reverse mortgage terms?
California Civil Code Section 1923.2 requires lenders to provide a clear disclosure of loan terms and costs. It also mandates a three-day right of rescission after signing, allowing you to cancel the loan without penalty. This cooling off period is a key consumer protection for Citrus Heights residents.
What happens to the reverse mortgage when the borrower dies or moves out?
The loan becomes due when the last borrower dies, sells the home, or permanently moves out. Heirs have the option to repay the loan or sell the home. In California, heirs are not personally liable for any shortfall if the home value is less than the loan balance, thanks to non-recourse protections.
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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.