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Directory of reverse mortgage specialists in Tulare, California. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Tulare, 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 7 reverse mortgage specialists in Tulare, 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.
Melissa Leyva- Loan Officer with Empower Home Loans
157 S K St, Tulare, CA 93274
5598026477
Home Front Mortgage-Tulare
151 North N Street, Tulare, CA 93274
5596238897
Tulare County Mortgage Services
332 E King Ave, Tulare, CA 93274
5596871200
Ida's Direct Mortgage
140 N J St, Tulare, CA 93274
5596871700
Caroline Castellanoz- Loan Officer with Ida's Direct Mortgage
140 N J St, Tulare, CA 93274
5594676389
Blake Garcia - Change Home Mortgage
142 S K St, Tulare, CA 93274
5592481007
Change Home Mortgage - Anne Brown
142 S K St, Tulare, CA 93274
5599720244
Reverse mortgage specialists in Tulare, California help 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 obtaining a Home Equity Conversion Mortgage (HECM). Specialists in Tulare guide clients through this process and explain how a reverse mortgage may affect property taxes and estate planning.
What Does a Reverse Mortgage Specialist in Tulare Cost?
Typical costs for a reverse mortgage specialist in California include an origination fee of up to 2.5 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees such as appraisal and title search. For a home valued at 400,000 dollars, total closing costs may range from 8,000 to 15,000 dollars. These costs are added to the loan balance and do not require out-of-pocket payment. 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 is a reverse mortgage specialist in Tulare?
A reverse mortgage specialist is a licensed professional who helps Tulare homeowners understand and apply for reverse mortgages. They explain eligibility requirements, loan terms, and the impact on heirs. Specialists in California must follow state and federal regulations, including mandatory counseling.
Who qualifies for a reverse mortgage in Tulare California?
To qualify for a reverse mortgage in Tulare, 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. California law also requires you to attend a counseling session with a HUD-approved counselor before applying.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial 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 mortgage licensing authority before hiring.
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.