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Compare reverse mortgage specialists in El Cerrito. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
El Cerrito, 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 2 reverse mortgage specialists in El Cerrito, 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.
Chris Mason - Residential and Commercial Mortgage Broker
6500 Fairmount Ave Suite 12, El Cerrito, CA 94530
4158469211
America's Home Loans - Kushaal Malde
6500 Fairmount Ave Suite 12, El Cerrito, CA 94530
6504776147
A reverse mortgage specialist in El Cerrito, California helps senior homeowners access home equity without monthly payments. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). El Cerrito residents can use these loans to supplement retirement income or cover home repairs while staying in their homes.
What Does a Reverse Mortgage Specialist in El Cerrito Cost?
Typical costs for a reverse mortgage in California include an origination fee of up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees such as appraisal and title search. These costs often total between 3,000 and 8,000 dollars. Fees vary by lender and loan amount. 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 age requirements for a reverse mortgage in El Cerrito?
Borrowers must be at least 62 years old. All homeowners on the title must meet this age requirement under federal HECM rules. California does not add extra age restrictions.
Do I need to own my home free and clear to qualify?
No, you can have an existing mortgage, but it must be paid off with the reverse mortgage proceeds. California law requires that the loan be used to satisfy any prior liens on the property.
Are reverse mortgage proceeds taxable in California?
Loan proceeds from a reverse mortgage are not considered income by the IRS or California Franchise Tax Board. They are loan advances and do not affect Social Security or Medicare benefits.
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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.