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Compare Reverse Mortgage Specialists in Palo Alto, CA
Compare reverse mortgage specialists in Palo Alto. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Palo Alto, 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 8 reverse mortgage specialists in Palo Alto, 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.
Point
444 High St, Palo Alto, CA 94301
8887646823
Angela Hao - 633477 - Wells Fargo Home Mortgage
And Surrounding Areas, Palo Alto, CA 94301
6508850096
Julie Fukuhara - 237892 - Wells Fargo Home Mortgage
And Surrounding Areas, Palo Alto, CA 94301
6503227277
Kimberly Chen - 1870139 - Wells Fargo Home Mortgage
Serving Palo Alto And Surrounding Areas, Palo Alto, CA 94301
4083917029
Chase Home Lending
2846 Middlefield Rd, Palo Alto, CA 94306
4153091120
Jeffrey Alan Klein - 306326 - Wells Fargo Home Mortgage
Serving Pa And Surrounding Areas, Palo Alto, CA 94301
6502693689
Christopher Harris - 236028 - Wells Fargo Home Mortgage
Serving Pa And Surrounding Areas, Palo Alto, CA 94301
6502698187
Bill Prainito - 285940 - Wells Fargo Home Mortgage
Serving Pa And Surrounding Areas, Palo Alto, CA 94301
6504647813
A reverse mortgage specialist in Palo Alto, California helps homeowners aged 62 and older convert home equity into loan proceeds. California law requires that borrowers receive third-party counseling from a HUD-approved agency before obtaining a Home Equity Conversion Mortgage (HECM). Palo Alto specialists guide clients through this process, including the mandatory counseling session and financial assessment required by California regulations.
What Does a Reverse Mortgage Specialist in Palo Alto Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee of up to $6,000, a mortgage insurance premium of 2% of the appraised value, and third-party fees such as appraisal ($400 to $800) and title insurance ($1,000 to $2,500). Closing costs generally range from $2,000 to $5,000. These figures vary by lender and loan amount. 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 qualifications does a reverse mortgage specialist need in California?
In California, a reverse mortgage specialist must hold a valid Mortgage Loan Originator license through the Nationwide Multistate Licensing System (NMLS). They must also complete annual continuing education on reverse mortgage products and California-specific laws, including the California Reverse Mortgage Elder Protection Act.
How does California law protect borrowers in a reverse mortgage?
California law requires a mandatory three-day right of rescission after loan closing, allowing borrowers to cancel without penalty. Lenders must also provide a detailed disclosure of total annual loan costs and the borrower cannot be required to purchase other financial products as a condition of the loan.
What are the eligibility requirements for a reverse mortgage in Palo Alto?
Borrowers must be at least 62 years old, own their home outright or have a low mortgage balance, and live in the property as their primary residence. The home must be a single-family residence, a two-to-four unit property, or a HUD-approved condominium. A HUD-approved counseling session is mandatory before application.
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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.