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Reverse Mortgage Specialists in Fernandina Beach, FL
Browse reverse mortgage specialists serving Fernandina Beach, Florida. Contact information and addresses listed below.
14 agents listed
Updated May 2026
Fernandina Beach, FL
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 Florida before hiring.
Showing 14 reverse mortgage specialists in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Keith Strausburg - 8 Flags Home Loans LLC NMLS 2406016
1901 Island Walkway #112, Fernandina Beach, FL 32034
9047894880
Gateway Mortgage - Fernandina Mortgage with Paul
308 1/2 Centre St, Fernandina Beach, FL 32034
9049905075
Capital City Home Loans
1884 S 14th St, Fernandina Beach, FL 32034
9043014492
John Adams - VA & Renovation mortgage loan Specialist - #442266
3 S 2nd St, Fernandina Beach, FL 32034
9046395571
loanDepot
4800 1st Coast Hwy #60, Fernandina Beach, FL 32034
9046395571
Dave Mumbauer Loan Officer iMath Group with Cornerstone First Mortgage
501 Centre St Suite 123, Fernandina Beach, FL 32034
9045836901
Elaine Ritter
1333 Atlantic Ave, Fernandina Beach, FL 32034
9045761672
CrossView Mortgage
1901 Island Walkway, Fernandina Beach, FL 32034
9043259008
Ruben Perez at Loan Depot
3 S 2nd St, Fernandina Beach, FL 32034
3107210079
Union Home Mortgage
501 Centre St Suite #125, Fernandina Beach, FL 32034
9046183117
Cherry Creek Mortgage - Vincent Ortiz
2382 Sadler Rd Office 4, Fernandina Beach, FL 32034
4076259093
Paul Moerman
3 S 2nd St, Fernandina Beach, FL 32034
9049905075
Atlantic Mortgage Consultants
1601 Nectarine St APT H7, Fernandina Beach, FL 32034
9042060189
Paul Moerman - Gateway Mortgage
308 1/2 Centre St, Fernandina Beach, FL 32034
9049905075
Reverse mortgage specialists in Fernandina Beach help seniors aged 62 and older access home equity through FHA-insured Home Equity Conversion Mortgages (HECMs). Florida law requires borrowers to complete a counseling session with a HUD-approved counselor before applying. The coastal market in Fernandina Beach often involves unique property considerations like flood zones and historic district restrictions.
What Does a Reverse Mortgage Specialist in Fernandina Beach Cost?
Typical costs for a reverse mortgage in Florida include an origination fee (up to $6,000), mortgage insurance premium (2% of the home value upfront plus 0.5% annually), appraisal fee ($400-$800), and closing costs ($2,000-$5,000). Total upfront costs generally range from $8,000 to $15,000, but these can often be financed into the loan. Costs vary by lender, loan type, and property value. 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 age requirements for a reverse mortgage in Fernandina Beach?
All borrowers must be at least 62 years old. For married couples, if one spouse is under 62, that spouse may still live in the home but will not be a borrower on the loan.
Do I need to own my home free and clear to get a reverse mortgage in Florida?
No, you do not need to own the home free and clear. However, any existing mortgage or liens must be paid off using the reverse mortgage proceeds. The home must be your primary residence.
How does Florida law affect reverse mortgage counseling requirements?
Florida law mandates that all reverse mortgage applicants must receive third-party counseling from a HUD-approved agency. This counseling must occur at least 7 days before the loan application is signed. The session covers loan terms, costs, and alternatives.
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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 Florida.