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Compare Reverse Mortgage Specialists in Santa Cruz, CA

Compare reverse mortgage specialists in Santa Cruz. Review contact information and insurance categorys before you decide.

12 agents listed
Updated June 2026
Santa Cruz, 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 State Mortgage Licensing Authority of California before hiring.
Showing 12 reverse mortgage specialists in Santa Cruz, 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.
Revest Loans - Team Jim Black
1015 Cedar St Suite D, Santa Cruz, CA 95060
(925) 285-4898 meetjimblack.com
SV Mortgage Group
1509 Seabright Ave, Santa Cruz, CA 95062
(831) 200-8435 svmortgagegroup.com
Valamonte Mortgage Group
655 Capitola Rd STE 202, Santa Cruz, CA 95062
(831) 254-9787 valamontemortgage.com
Ryan Buckholdt at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
(831) 425-8326 ryanbuckholdt.com
Dan Casagrande
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
(831) 423-2900 reversemandan.com
The Junod Team- CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
(831) 600-4709 crosscountrymortgage.com
Brian Dean at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
(831) 600-4706 thebriandeanteam.com
Michael Hermann
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
(818) 481-4467 mutualreverse.com
Affordable Home Finance, Mortgage Broker
120 Bulkhead St, Santa Cruz, CA 95060
(877) 320-4762 affordablehomefinance.com
Loans With Mitch
710 River St #2, Santa Cruz, CA 95060
(831) 431-0726 loanswithmitch.com
Mutual of Omaha Reverse Mortgage
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
(408) 297-0000 reversemandan.com
CrossCountry Mortgage, LLC
133 Mission St Suite 210, Santa Cruz, CA 95060
(831) 818-2339 crosscountrymortgage.com

What Does a Reverse Mortgage Specialist in Santa Cruz Cost?

Typical costs for a reverse mortgage in California include an origination fee of up to 2% of the home value, a mortgage insurance premium of 2% of the appraised value upfront plus 0.5% annually, and third-party fees for appraisal, title search, and recording. For a $500,000 home, total closing costs often range from $8,000 to $15,000. 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 eligibility requirements for a reverse mortgage in Santa Cruz?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The home must be your primary residence, and you must attend a HUD-approved counseling session. California law does not add extra age or income requirements beyond federal HECM rules.
How does California law affect reverse mortgage proceeds?
California Civil Code Section 1923.5 requires lenders to provide a clear disclosure of loan terms and costs. Proceeds from a reverse mortgage are generally tax-free and do not affect Social Security or Medicare benefits. However, they may impact Medi-Cal eligibility if you receive long-term care benefits.

Reverse Mortgage Specialists in Other California Cities

Adelanto · Agoura Hills · Alameda · Albany · Alhambra · Aliso Viejo · Anaheim · Antioch · Apple Valley · Arcadia · Arcata · Arroyo Grande · Artesia · Atascadero · Auburn

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of California.

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