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Find Reverse Mortgage Specialists in Santa Cruz, CA
Directory of reverse mortgage specialists in Santa Cruz, California. Verify credentials with the state mortgage licensing authority before hiring.
12 agents listed
Updated May 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 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
9252854898
SV Mortgage Group
1509 Seabright Ave, Santa Cruz, CA 95062
8312008435
Valamonte Mortgage Group
655 Capitola Rd STE 202, Santa Cruz, CA 95062
8312549787
Ryan Buckholdt at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8314258326
Dan Casagrande
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
8314232900
The Junod Team- CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004709
Brian Dean at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004706
Michael Hermann
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
8184814467
Affordable Home Finance, Mortgage Broker
120 Bulkhead St, Santa Cruz, CA 95060
8773204762
Loans With Mitch
710 River St #2, Santa Cruz, CA 95060
8314310726
Mutual of Omaha Reverse Mortgage
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
4082970000
CrossCountry Mortgage, LLC
133 Mission St Suite 210, Santa Cruz, CA 95060
8318182339
A reverse mortgage specialist in Santa Cruz, California helps homeowners aged 62 and older convert part of their home equity into tax-free funds without selling their home. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Santa Cruz residents often use these loans to supplement retirement income or cover healthcare costs while staying in their homes.
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.
Can I lose my home with a reverse mortgage in Santa Cruz?
You can lose your home if you fail to pay property taxes, homeowners insurance, or maintain the property. California law requires lenders to give you a 30-day notice before foreclosure. You must also continue living in the home as your primary residence to avoid default.
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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.