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Find Reverse Mortgage Specialists in Lafayette, CA
Compare reverse mortgage specialists in Lafayette. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Lafayette, 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 Lafayette, 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.
CA Mortgage Pro: Jerry Siegel, Mortgage Broker
3059 Rohrer Dr, Lafayette, CA 94549
9253858621
Rubicon Mortgage Fund, LLC
3575 Mount Diablo Blvd #215, Lafayette, CA 94549
9252838919
Evelyn Freitas at Rate (NMLS #247578)
3400 Mount Diablo Blvd Suite 3, Lafayette, CA 94549
5102544674
Jason Yui at Rate (NMLS #1426398)
3400 Mount Diablo Blvd Suite 3, Lafayette, CA 94549
5109032230
Classic Home Loans
3650 Mount Diablo Blvd #240, Lafayette, CA 94549
9252995390
Happy Investments, Inc. Lafayette CA
3559 Mount Diablo Blvd suite 334-e, Lafayette, CA 94549
9252982109
Bay Area Loan Source
3650 Mount Diablo Blvd #240, Lafayette, CA 94549
9252995390
A reverse mortgage specialist in Lafayette California helps homeowners aged 62 and older convert part of their home equity into tax-free funds. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage HECM. Local specialists understand the unique real estate market in Contra Costa County and can guide you through the process.
What Does a Reverse Mortgage Specialist in Lafayette Cost?
Typical costs for a reverse mortgage in California include an origination fee up to $6,000 an appraisal fee around $500 and third-party closing costs such as title insurance and recording fees. The upfront mortgage insurance premium is 2% of the home value and annual premiums are 0.5%. Total closing costs often range from $8,000 to $15,000. These costs are usually 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 Lafayette California?
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 and meet FHA standards. California law also mandates that you attend a counseling session with a HUD-approved counselor before applying.
How much can I borrow with a reverse mortgage in California?
The amount depends on your age the value of your home and current interest rates. In California the maximum claim amount for an HECM is $1,089,300 as of 2024. Generally older borrowers with higher home values can access more equity.
Are reverse mortgage proceeds taxable in California?
No reverse mortgage proceeds are considered loan advances not income. They are not subject to federal or California state income tax. However interest on the loan is not deductible until you pay it back.
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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.