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Directory of reverse mortgage specialists in Torrance, California. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Torrance, 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 11 reverse mortgage specialists in Torrance, 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.
Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage
23740 Hawthorne Blvd 2nd floor, Torrance, CA 90505
3102081988
Cal Fed Mortgage
24214 Hawthorne Blvd, Torrance, CA 90505
3103782858
Finance West Lending Inc
24445 Hawthorne Blvd STE 201, Torrance, CA 90505
3103732000
New American Funding - Torrance, CA
2780 Skypark Dr Ste 350, Torrance, CA 90505
3105799309
S.O.S. Loans, Inc.
3655 Torrance Blvd # 460, Torrance, CA 90503
8005036648
Henry Munoz - Real Estate Broker and Mortgage Loans
21250 Hawthorne Blvd Suite 500, Torrance, CA 90503
2134601002
American California Financial Inc.: Andre Hemmersbach
3838 W Carson St #109, Torrance, CA 90503
3107133100
Midgate Mortgage
24051 Neece Ave b, Torrance, CA 90505
3107910854
Prestige Finance Group
3812 Sepulveda Blvd Suite 380, Torrance, CA 90505
8182884288
American California Financial Services, Inc.
3838 W Carson St #109, Torrance, CA 90503
3105401330
Teresa Schweyer, US Direct Lending
25920 Rolling Hills Rd Unit A, Torrance, CA 90505
3106210646
A reverse mortgage specialist in Torrance California helps homeowners aged 62 and older convert part of their home equity into tax-free funds. California law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage HECM. Torrance 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 Torrance Cost?
Reverse mortgage costs in California typically include an origination fee up to 2 percent of the home value a mortgage insurance premium of 2 percent of the appraised value and third-party closing costs such as appraisal and title fees. Total upfront costs often range from 5,000 to 15,000 depending on the home value and loan type. Borrowers also pay an annual mortgage insurance premium of 0.5 percent of the loan balance. 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 Torrance California?
Borrowers must be at least 62 years old. If the home is owned jointly all owners must meet this age requirement. California law also mandates a counseling session with a HUD-approved counselor before the loan can proceed.
Do I need to own my home free and clear to get a reverse mortgage in Torrance?
No you do not need to own the home free and clear. You can use a reverse mortgage to pay off an existing mortgage. The remaining equity becomes available as loan proceeds. California law protects borrowers by requiring a financial assessment to ensure you can pay property taxes and insurance.
What happens to the reverse mortgage when the borrower moves out or passes away in Torrance?
The loan becomes due when the last borrower permanently leaves the home or dies. Heirs have 30 days under California law to decide whether to pay off the loan or sell the home. If they sell the home the loan is repaid from the sale proceeds and any remaining equity goes to the heirs.
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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.