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Find Reverse Mortgage Specialists Near You in Napa, CA
Compare reverse mortgage specialists in Napa. Review contact information and insurance categorys before you decide.
15 agents listed
Updated May 2026
Napa, 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 15 reverse mortgage specialists in Napa, 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.
Solcosta Home Loans
1030 Seminary St Suite A2, Napa, CA 94559
7072667141
Custom Lending Group
1300 1st St Suite 368, Napa, CA 94559
7072522700
Hilda Hensley-Hensley Mortgage Group
1775 Lincoln Ave, Napa, CA 94558
7072548891
Mortgage Solutions, Inc
1775 Lincoln Ave, Napa, CA 94559
7072595272
Shamrock Mortgage Solutions Sean Marek
1832 Soscol Ave #111, Napa, CA 94559
7073328352
Legacy Mortgage Capital powered by AHL - Stacey Larson, Senior Loan Officer
1878 El Centro Ave, Napa, CA 94558
7072874414
Reina Perkins at Rate (NMLS #856071)
5 Financial Plaza Suite 104, Napa, CA 94558
7073183774
Edith Guitron at Rate
5 Financial Plaza suite 104, Napa, CA 94558
7073635782
Primary Residential Mortgage, Inc.
2015 Redwood Rd #4, Napa, CA 94558
7072658660
Linda Zaiss at Rate (NMLS #8991)
1455 1st St Suite 216 Office #4, Napa, CA 94559
9259180007
American Financial
1300 1st St Suite 368, Napa, CA 94558
7072580271
Napa Mortgage
1290 Jefferson St Unit D, Napa, CA 94559
7072296272
Napa Valley Lending
5230 Country Ln, Napa, CA 94558
7072267550
Pinnacle Capital Mortgage
1812 Jefferson St, Napa, CA 94559
7072223104
Martha PedrozaRamos
5 Financial Plaza Suite 227, Napa, CA 94558
7072652244
A reverse mortgage specialist in Napa 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 applying. Napa residents often use these loans to supplement retirement income or cover home repairs while staying in their homes.
What Does a Reverse Mortgage Specialist in Napa Cost?
Typical costs for a reverse mortgage specialist in Napa California include an origination fee of up to 2 percent of the first 200000 of home value plus 1 percent of the amount above that. Third party costs such as appraisal title insurance and recording fees range from 2000 to 5000. The upfront mortgage insurance premium is 2 percent of the appraised value. Annual servicing fees are usually 30 to 35 dollars per month. 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 and home equity requirements for a reverse mortgage in Napa California?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The home must be your primary residence. California law does not set a minimum equity amount but most lenders require at least 50 percent equity.
Is counseling required before getting a reverse mortgage in California?
Yes California law mandates HUD-approved counseling for all reverse mortgage applicants. The counseling session covers loan terms costs and alternatives. You must receive a certificate of completion before the lender can process your application.
How does a reverse mortgage affect my heirs in Napa California?
Heirs can keep the home by paying off the loan balance or 95 percent of the appraised value whichever is less. If they sell the home any remaining equity goes to them. California law gives heirs 12 months after the last borrower dies to decide.
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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.