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Looking for a reverse mortgage specialist in Del Mar? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Del Mar, 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 4 reverse mortgage specialists in Del Mar, 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.
Loantown
3790 Via De La Valle #314, Del Mar, CA 92014
8582890000
Josh Painter, Mortgage Broker
1217 Camino Del Mar, Del Mar, CA 92014
9512653524
Avant Capital
1011 Camino Del Mar Suite 214, Del Mar, CA 92014
8583509407
Express Funding Mortgage Company
1237 Camino Del Mar UNIT I, Del Mar, CA 92014
8582593980
A reverse mortgage specialist in Del Mar California helps homeowners aged 62 and older access home equity without monthly payments. California law requires mandatory counseling from a HUD-approved agency before you can apply. Del Mar residents often use these loans to supplement retirement income or cover healthcare costs.
What Does a Reverse Mortgage Specialist in Del Mar Cost?
In California, reverse mortgage costs include an origination fee capped at 6000 dollars or 2% of the first 200000 of home value plus 1% of the amount above that. The upfront mortgage insurance premium is 2% of the appraised value. Annual mortgage insurance is 0.5% of the loan balance. Third-party costs such as appraisal title and recording fees add 1000 to 3000 dollars. Total 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 qualifications does a reverse mortgage specialist in Del Mar need?
A specialist must hold a valid California mortgage loan originator license. They should also have specific training in HECM products and knowledge of California property tax deferral programs for seniors.
How does California law affect reverse mortgages in Del Mar?
California requires a three-day right of rescission after closing. The state also limits the amount you can borrow based on your age and home value. You must attend HUD counseling before the loan is approved.
What are the typical costs for a reverse mortgage in Del Mar?
Costs include an origination fee up to 2% of the home value and a mortgage insurance premium of 2% of the appraised value. Closing costs vary but often range from 2000 to 5000 dollars. These fees are usually rolled into the loan.
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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.