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Reverse Mortgage Specialists in Huntington Beach, CA
Directory of reverse mortgage specialists in Huntington Beach, California. Verify credentials with the state mortgage licensing authority before hiring.
19 agents listed
Updated May 2026
Huntington Beach, 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 19 reverse mortgage specialists in Huntington Beach, 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.
Optimum First Mortgage
7755 Center Ave 9th Floor, Huntington Beach, CA 92647
8778167846
Summit Home Lending
17011 Beach Blvd Suite 1100, Huntington Beach, CA 92647
7145369500
JMJ Financial - Huntington Beach Branch
19671 Beach Blvd Suite 202, Huntington Beach, CA 92648
7143308263
Brighter Lending
8092 Warner Ave, Huntington Beach, CA 92647
9498777757
Jackie Barikhan - Summit Lending
18281 Gothard St #203, Huntington Beach, CA 92648
9496000944
BuyWise Mortgage
2130 Main St #290, Huntington Beach, CA 92648
7149165727
Revival Lending
17011 Beach Blvd #510, Huntington Beach, CA 92647
7142575284
J&J COASTAL LENDING - JOHN A SORICELLI JR
214 5th St Unit 202, Huntington Beach, CA 92648
9494783863
New American Funding - Huntington Beach, CA
20422 Beach Blvd #100, Huntington Beach, CA 92648
7145815324
The Mortgage Hub
5882 Bolsa Ave Ste #250, Huntington Beach, CA 92649
8882738734
Advanced Horizon Lending
7755 Center Ave 11th floor, Huntington Beach, CA 92647
7147675664
The Wright Loans
2130 Main St #250, Huntington Beach, CA 92648
7145362200
Quest Home Loans
4952 Warner Ave Suite 251, Huntington Beach, CA 92649
7146438488
Flex Funding
7755 Center Ave Suite 1100, Huntington Beach, CA 92647
7143177250
Homeowners Mortgage and Equity, Inc
17011 Beach Blvd Suite 900-826, Huntington Beach, CA 92647
8004056000
Ameristar Capital Mortgage
7755 Center Ave #1100, Huntington Beach, CA 92647
7148468686
Rose Guevara-Rocket Mortgage Local Expert
Edinger and Edwards, Huntington Beach, CA 92647
3239743418
Morningstar Mortgage
17011 Beach Blvd 9th floor, Huntington Beach, CA 92647
7148484549
Internet Loans Direct
212 Joliet Ave, Huntington Beach, CA 92648
8555452022
A reverse mortgage specialist in Huntington Beach, California helps homeowners aged 62 and older convert home equity into tax-free funds. California law requires a mandatory counseling session with a HUD-approved counselor before any loan application. Specialists guide clients through the process, ensuring compliance with state regulations and local property tax deferral programs.
What Does a Reverse Mortgage Specialist in Huntington Beach Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee of up to 2 percent of the home value, capped at $6,000, plus a mortgage insurance premium of 2 percent of the appraised value. Closing costs often range from $2,000 to $5,000, and the mandatory HUD counseling fee is around $125 to $250. These costs are usually rolled into the loan balance. 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 Huntington Beach?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The property must be the primary residence, and the home must meet HUD property standards. California law also requires a financial assessment to ensure the borrower can pay property taxes and insurance.
How does California law affect reverse mortgage proceeds?
California law exempts reverse mortgage proceeds from state income tax. However, the loan must be repaid when the borrower sells the home, moves out permanently, or passes away. The state also has a three-day right of rescission after closing, allowing borrowers to cancel without penalty.
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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.