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Compare Reverse Mortgage Specialists in Oxnard, CA
Compare reverse mortgage specialists in Oxnard. Review contact information and insurance categorys before you decide.
11 agents listed
Updated May 2026
Oxnard, 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 11 reverse mortgage specialists in Oxnard, 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.
Frank Salazar - GEM Mortgage
2775 N Ventura Rd #102, Oxnard, CA 93036
8053123964
Nations Lending - Oxnard, CA Branch - NMLS: 1285985
400 E Esplanade Dr Suite 205, Oxnard, CA 93036
8442459529
Smart Home Mortgage - Larry Reyes
300 E Esplanade Dr Suite 455, Oxnard, CA 93036
8054157631
Dignified Home Loans
2751 Park View Ct Suite 231, Oxnard, CA 93036
8058900792
Financial Home Associates
1000 Town Center Dr Suite 525, Oxnard, CA 93036
8054025302
Smart Home Mortgage - Staci Aguiar
300 E Esplanade Dr #105, Oxnard, CA 93036
8057972523
Marcos Galaviz - Option Funding Inc
1000 Town Center Dr #135, Oxnard, CA 93036
8052767380
Tracey Stillman, Mortgage Lender NMLS #1287611
2775 N Ventura Rd Suite 203, Oxnard, CA 93036
3033465349
Armando Perez - Nations Lending
400 E Esplanade Dr Suite 205, Oxnard, CA 93036
8054020337
Specialty Lenders Group
1000 Town Center Dr #300, Oxnard, CA 93036
8557543863
Sean Martinez - Mortgage Resource Group
1221 Elder St, Oxnard, CA 93036
8057462900
A reverse mortgage specialist in Oxnard California helps homeowners aged 62 and older convert home equity into tax-free funds. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage HECM. Specialists guide clients through loan options and local property value considerations in Ventura County.
What Does a Reverse Mortgage Specialist in Oxnard Cost?
Typical costs for a reverse mortgage in California include an origination fee up to 2 percent of the home value capped at 6000 dollars. Third-party costs such as appraisal title insurance and recording fees range from 2000 to 5000 dollars. The upfront mortgage insurance premium is 2 percent of the home value. Annual mortgage insurance is 0.5 percent of the loan balance. These costs vary by lender and property. 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 does a reverse mortgage specialist in Oxnard do?
A reverse mortgage specialist helps seniors apply for a HECM loan. They explain eligibility requirements loan terms and repayment rules. They also coordinate with HUD-approved counselors as required by California law.
Who qualifies for a reverse mortgage in Oxnard California?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The home must be the primary residence and meet FHA property standards. California does not impose additional age or income limits beyond federal rules.
Are reverse mortgage proceeds taxable in California?
No reverse mortgage proceeds are not considered taxable income by California or the IRS. They are loan advances not earnings. However interest on the loan is not deductible until the loan is repaid.
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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.