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Compare Reverse Mortgage Specialists in Placerville, CA
Directory of reverse mortgage specialists in Placerville, California. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Placerville, 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 Placerville, 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.
Nicolas Moszoro | EZ Mortgages
4535 Missouri Flat Rd #2e, Placerville, CA 95667
5303205386
EZ Mortgages
4535 Missouri Flat Rd #2e, Placerville, CA 95667
5303033643
Envoy Mortgage - Placerville, CA
2920 Cold Springs Rd, Placerville, CA 95667
5302788070
Tony Lomatchinski | EZ Mortgages
4535 Missouri Flat Rd #2e, Placerville, CA 95667
9165865552
Steve Cockerell
183 Placerville Dr Suite C, Placerville, CA 95667
5306210222
Clear Creek Mortgage
4620 Meadland Dr, Placerville, CA 95667
5306747151
Western Foothill Mortgage
183 Placerville Dr, Placerville, CA 95667
5306267929
Movement Mortgage
550 Main St Suite J-1, Placerville, CA 95667
8773141499
A reverse mortgage specialist in Placerville California helps homeowners aged 62 and older access home equity without monthly payments. California law requires mandatory counseling from a HUD-approved agency before you can apply for a Home Equity Conversion Mortgage (HECM). Local specialists understand the unique real estate market in El Dorado County and can guide you through the process.
What Does a Reverse Mortgage Specialist in Placerville Cost?
Typical costs for a reverse mortgage in California include an origination fee up to 6 thousand dollars, a mortgage insurance premium of 2 percent of the home value, and third-party costs like appraisal and title fees ranging from 2 thousand to 5 thousand dollars. Closing costs vary by lender and property value. This is general information and does not constitute 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. They must also follow state rules including a mandatory three-day right of rescission after closing. Specialists often work with HUD-approved counselors to meet the required counseling step.
How does California law affect reverse mortgage terms?
California law requires that reverse mortgage borrowers receive a detailed disclosure statement at least three business days before signing. The state also limits origination fees to 2 percent of the first 200 thousand dollars of the home value plus 1 percent of the amount over 200 thousand dollars. These rules help protect consumers in Placerville.
What happens to the reverse mortgage when the borrower moves or passes away?
When the last borrower permanently leaves the home or dies, the reverse mortgage becomes due and payable. Heirs have 30 days to decide whether to pay off the loan or sell the home. California law gives heirs additional time if they are working with the lender on a repayment plan.
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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.