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Find Reverse Mortgage Specialists Near You in Santee, CA
Directory of reverse mortgage specialists in Santee, California. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Santee, 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 4 reverse mortgage specialists in Santee, 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.
Casa Financial Services, Inc
9560 Cuyamaca St STE 101, Santee, CA 92071
6196448344
JOHN AGUIRRE HOME LOANS
10850 Hartley Rd, Santee, CA 92071
7867856409
Gina Howard
278 Town Center Pkwy Suites 205-206, Santee, CA 92071
8773141499
The Chi Team - Home Mortgage Lender
278 Town Center Pkwy Ste 206, Santee, CA 92071
9167705626
A reverse mortgage specialist in Santee California can help homeowners aged 62 and older convert home equity into tax-free funds. 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 San Diego County housing market and can explain how California property tax deferral programs interact with reverse mortgages.
What Does a Reverse Mortgage Specialist in Santee Cost?
Typical costs for a reverse mortgage in California include an origination fee up to 2 percent of the home value with a cap of 6000 dollars, a mortgage insurance premium of 2 percent of the appraised value, and third-party costs like appraisal title and escrow fees ranging from 2000 to 5000 dollars. Closing costs vary by lender and loan amount. 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 qualifications should a reverse mortgage specialist in Santee have?
Look for a specialist with a California Department of Real Estate license and HECM certification from the National Reverse Mortgage Lenders Association. They should also have experience with California specific rules like the mandatory counseling requirement and the state's anti-deficiency protections.
How does California law protect reverse mortgage borrowers?
California Civil Code Section 1923.2 requires lenders to provide a detailed disclosure statement and a 10-day right of rescission after loan signing. Borrowers also have a 3-day right to cancel after receiving the final loan documents. These protections help ensure you understand the loan terms before committing.
Are reverse mortgage proceeds taxable in California?
Reverse mortgage proceeds are not considered taxable income under California or federal law. However interest on the loan is not tax deductible until the loan is paid off. Consult a tax professional for your specific situation.
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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.