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Directory of reverse mortgage specialists in Durango, Colorado. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 2026
Durango, CO
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 Colorado before hiring.
Showing 15 reverse mortgage specialists in Durango, CO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Animas Mountain Mortgage Inc.
1099 Main Ave Ste 305, Durango, CO 81301
9708281610
Sinberg Capital Lending
1099 Main Ave #300, Durango, CO 81301
9707497661
Arete Mortgage
2855 Main Ave STE B105, Durango, CO 81301
9703751111
Mountain to Desert Mortgage LLC
777 Main Ave #202, Durango, CO 81301
5202552263
The Norm Phillips Team, NMLS#193010, Powered by IMB
1075 Main Ave UNIT 212, Durango, CO 81301
9703877500
Mountain Goat Mortgage LLC
835 Main Ave Suite 221, Durango, CO 81301
9704035292
Highlands Residential Mortgage
679 E 2nd Ave UNIT 11, Durango, CO 81301
9704591508
Guild Mortgage Company
2243 Main Ave Office 3f & 3g, Durango, CO 81301
9703822903
Christopher Albanese at CrossCountry Mortgage
1065 Main Ave Suite 208, Durango, CO 81301
9173637345
Guild Mortgage - Brad Cook
2243 Main Ave Office 3f & 3g, Durango, CO 81301
9707495488
Southwest Mortgage Loans Inc
835 Main Ave UNIT 222, Durango, CO 81301
9703829800
PrimeLending, A PlainsCapital Company - Durango
1065 Main Ave #202, Durango, CO 81301
9706662355
Guild Mortgage - Justin Kautter
2243 Main Ave Office 3f & 3g, Durango, CO 81301
9709032388
Flanagan State Bank Mortgage
175 Mercado St, Durango, CO 81301
9703829800
Cobalt Mortgage Reverse Division
835 E 2nd Ave #310, Durango, CO 81301
8559269258
A reverse mortgage specialist in Durango, Colorado helps homeowners aged 62 and older convert home equity into tax free funds. Colorado law requires borrowers to complete a counseling session with a HUD approved counselor before obtaining a reverse mortgage. Durango residents can use these funds for home repairs, healthcare costs, or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Durango Cost?
Typical costs for a reverse mortgage in Colorado include an origination fee of up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and third party fees for appraisal, title search, and recording. These costs can range from 2000 to 8000 dollars depending on the home value. Colorado law does not cap these fees but requires full disclosure in the loan estimate. 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 Durango Colorado?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The home must be the primary residence and meet HUD property standards. Colorado law does not add additional age or property requirements beyond federal rules.
How does Colorado law affect reverse mortgage proceeds?
Colorado law does not tax reverse mortgage proceeds as income. The funds are considered a loan advance, not income, so they do not affect Social Security or Medicare benefits. However, they may impact needs based programs like Medicaid.
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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 Colorado.