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Looking for a reverse mortgage specialist in Santa Clara? Review the directory below to compare your options.
6 agents listed
Updated May 2026
Santa Clara, 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 6 reverse mortgage specialists in Santa Clara, 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.
Veridian Mortgage
2975 Bowers Ave # 315, Santa Clara, CA 95051
4084579978
Adrian Azali at Rate (NMLS #298767)
5201 Great America Pkwy Suite 320 Office 3302, Santa Clara, CA 95054
4152766882
Maria G Guardado - Mortgage Broker
2975 Bowers Ave # 315, Santa Clara, CA 95051
4084060285
LaChica Loans
3390 De La Cruz Blvd STE F, Santa Clara, CA 95054
6692142510
DCI Mortgage and Investment
85 Saratoga Ave Suite 212, Santa Clara, CA 95051
4086573780
ERATE
BLDG 16, 4701 Patrick Henry Dr #100, Santa Clara, CA 95054
4082617700
A reverse mortgage specialist in Santa Clara, California helps homeowners aged 62 and older access home equity without monthly payments. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Santa Clara County high property values often allow larger loan amounts under federal limits.
What Does a Reverse Mortgage Specialist in Santa Clara Cost?
Typical costs for a reverse mortgage in California include an origination fee up to 2.5 percent of the loan amount, a mortgage insurance premium of 2 percent of the home value, and third-party fees for appraisal, title, and recording. For a Santa Clara home valued at 900,000 dollars, total closing costs often range from 12,000 to 18,000 dollars. Costs vary by lender and loan type. 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 requirements for a reverse mortgage in Santa Clara?
Borrowers must be at least 62 years old. If married, a younger spouse may be a non-borrowing spouse and still live in the home after the borrower passes away, under California law and HUD rules.
Do I need counseling before getting a reverse mortgage in California?
Yes. California law requires all borrowers to complete a counseling session with a HUD-approved counselor. This session covers loan terms, costs, and alternatives. You must receive a counseling certificate before the lender can process your application.
Can I lose my home with a reverse mortgage in Santa Clara?
Yes, if you fail to pay property taxes, homeowners insurance, or maintain the home. California law gives a 90-day notice period before foreclosure for missed obligations. Always keep up with these requirements to stay in the home.
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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.