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Compare Reverse Mortgage Specialists in San Francisco, CA
Looking for a reverse mortgage specialist in San Francisco? Review the directory below to compare your options.
14 agents listed
Updated May 2026
San Francisco, 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 14 reverse mortgage specialists in San Francisco, 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.
SunnyHill Financial
600 California St Suite 12-032, San Francisco, CA 94108
5102889800
Fif Ghobadian at OriginPoint (NMLS #110501)
345 California St Suites 600, San Francisco, CA 94104
4152039468
Mike Koran - Primary Residential Mortgage Inc
1746 18th St, San Francisco, CA 94107
4152525070
James W. Argo - Mortgage Banker - Residential & Multi Family Lending
232 Townsend St, San Francisco, CA 94107
4152921993
Julie Malta- Guarantee Mortgage NMLS #254124
232 Townsend St, San Francisco, CA 94107
4152036800
Steven Hook, San Francisco Mortgage Advisor
Ferry Building, 1st St Suite 270, San Francisco, CA 94111
4152609376
Shawn Maxwell - Homepoint Lending Inc
945 Market St Suite 501, San Francisco, CA 94103
6507594094
Guarantee Mortgage
505 Montgomery St #1275, San Francisco, CA 94111
4154415050
Stephen Barber at Rate (NMLS #57715)
41 Freelon St, San Francisco, CA 94107
4156945550
George Rosenfield - Green River Capital - West Coast Production Leader
2460 Washington St, San Francisco, CA 94115
4157064854
WeFund Mortgage Corporation
1229 Chestnut St, San Francisco, CA 94109
8888406510
Mark Johnson at Rate (NMLS #451091)
41 Freelon St, San Francisco, CA 94107
8054486094
FutureSafe Financial Reverse Mortgages
52 Fremont St, San Francisco, CA 94105
4154491952
UP Capital & Mortgage
2020 Ocean Ave suite 2A, San Francisco, CA 94127
4159932262
A reverse mortgage specialist in San Francisco helps homeowners aged 62 and older convert home equity into loan proceeds without monthly payments. California law requires lenders to provide counseling from a HUD-approved agency before a borrower can close a Home Equity Conversion Mortgage HECM. San Francisco homeowners often use these funds for home repairs, healthcare costs, or supplementing retirement income.
What Does a Reverse Mortgage Specialist in San Francisco 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, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal title and escrow ranging from 1000 to 3000 dollars. Closing costs generally total between 5000 and 15000 dollars depending on the loan amount 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 are the age requirements for a reverse mortgage in San Francisco?
Borrowers must be at least 62 years old. If there are two borrowers on the title, both must meet the age requirement. The home must be the primary residence.
Are reverse mortgage proceeds taxable in California?
No, reverse mortgage proceeds are not considered income by the IRS or California Franchise Tax Board. They are treated as a loan advance and are tax-free. However, interest is not deductible until the loan is paid off.
What happens to the reverse mortgage when the borrower moves out or passes away in California?
The loan becomes due when the last borrower dies, sells the home, or permanently moves out. Heirs have 30 days to decide to pay off the loan or sell the home. California law provides a 90-day extension if needed.
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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.