ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find Reverse Mortgage Specialists Near You in Monterey, CA
Compare reverse mortgage specialists in Monterey. Review contact information and insurance categorys before you decide.
12 agents listed
Updated May 2026
Monterey, 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 12 reverse mortgage specialists in Monterey, 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.
TreeHouse Mortgage Group
288 Pearl St floor 2, Monterey, CA 93940
8316451160
PrimeLending, A PlainsCapital Company - Monterey
24560 Silver Cloud Ct STE 105, Monterey, CA 93940
8316451050
Jeff McMullen at CrossCountry Mortgage
2 Lower Ragsdale Dr Suite 130, Monterey, CA 93940
8312052066
Travis Erb - Mortgage Broker
Serving the Central Valley, 777 Cass St, Monterey, CA 93940
Galen Call Certified Reverse Mortgage Professional
TreeHouse Mortgage Group, 288 Pearl St floor 2, Monterey, CA 93940
8316451164
Reverse mortgage specialists in Monterey help homeowners aged 62 and older access home equity through a federally insured Home Equity Conversion Mortgage. California law requires a mandatory counseling session with a HUD-approved counselor before you can apply. Local specialists understand Monterey County property values and can explain how a reverse mortgage affects your estate and heirs.
What Does a Reverse Mortgage Specialist in Monterey Cost?
Typical costs for a reverse mortgage in California include an origination fee of up to 2 percent of the first 200,000 dollars of home value plus 1 percent of the amount above that. Upfront mortgage insurance premium is 2 percent of the appraised value. Third-party costs such as appraisal, title search, and recording fees range from 2,000 to 5,000 dollars. Total closing costs often fall between 6,000 and 15,000 dollars. 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 are the age requirements for a reverse mortgage in Monterey California?
You must be at least 62 years old. All borrowers listed on the title must meet this age requirement. The home must be your primary residence in Monterey County.
Do I need counseling before getting a reverse mortgage in California?
Yes. California law requires you to complete a counseling session with a HUD-approved counselor. The session covers loan costs, payment options, and alternatives. You receive a certificate that is valid for 180 days.
What property types qualify for a reverse mortgage in Monterey?
Single-family homes, FHA-approved condos, and manufactured homes that meet FHA standards qualify. Two-to-four unit properties also qualify if you live in one unit. The property must be in good condition.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Monterey who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.