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Directory of reverse mortgage specialists in Moreno Valley, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Moreno Valley, 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 5 reverse mortgage specialists in Moreno Valley, 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.
Darlena Moore
Moreno Valley, CA 92557
9512423415
Summit Home and Lending
21364 Tennyson Rd, Moreno Valley, CA 92557
9512179533
Wholesale Capital Corporation
23328 Olive Wood Plaza Dr, Moreno Valley, CA 92553
9514883101
Puente de Oro Home Loans
28676 Belmont Park Way, Moreno Valley, CA 92555
9093636625
Happy Investments, Inc. Moreno Valley CA
F, 14910 Perris Blvd Ste B # 261, Moreno Valley, CA 92553
9513793402
Reverse mortgage specialists in Moreno Valley help homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Specialists in Riverside County can guide you through the specific requirements and local property considerations.
What Does a Reverse Mortgage Specialist in Moreno Valley Cost?
Typical costs for a reverse mortgage in California include an origination fee (up to $6,000 for HECM loans), appraisal fee ($400 to $800), and third-party closing costs ($1,500 to $3,000). Mortgage insurance premiums are 2% of the home value upfront plus 0.5% annually. Costs vary based on loan type and property value. 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 is a reverse mortgage specialist in Moreno Valley?
A reverse mortgage specialist is a licensed professional who helps seniors understand and apply for reverse mortgages. They explain California-specific rules, such as the mandatory counseling session and non-recourse feature that protects heirs from debt beyond the home value.
How do I qualify for a reverse mortgage in Moreno Valley?
You must be at least 62 years old, own your home outright or have a low mortgage balance, and live in the property as your primary residence. California law also requires you to attend a HUD-approved counseling session to ensure you understand the loan terms.
Are reverse mortgage proceeds taxable in California?
No, reverse mortgage proceeds are not considered taxable income by the IRS or California Franchise Tax Board. However, interest on the loan is not tax deductible until the loan is repaid. Consult a tax professional for your specific situation.
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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.