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Reverse Mortgage Specialists in Lakewood Ranch, FL
Directory of reverse mortgage specialists in Lakewood Ranch, Florida. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Lakewood Ranch, 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 4 reverse mortgage specialists in Lakewood Ranch, 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.
Blue Skye Lending
8131 Lakewood Main St #204, Lakewood Ranch, FL 34202
9412568420
On Time Home Loans LLC
8433 Enterprise Cir Suite 100, Lakewood Ranch, FL 34202
8137359918
James Carlino - Mortgage Broker Florida - First Responder Mortgage
8264 Redonda Lp, Lakewood Ranch, FL 34202
9418077997
Integrity Reverse Mortgage Lending
9040 Town Center Pkwy, Lakewood Ranch, FL 34202
9412095880
A reverse mortgage specialist in Lakewood Ranch Florida helps homeowners aged 62 and older convert home equity into tax-free cash without selling their home. Florida law requires borrowers to complete a counseling session with a HUD-approved counselor before applying. Lakewood Ranch 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 Lakewood Ranch Cost?
Typical costs for a reverse mortgage in Florida include an origination fee of up to 2 percent of the home value a mortgage insurance premium of 2 percent upfront plus 0.5 percent annually and third-party costs like appraisal title and recording fees. Total closing costs often range from 5000 to 15000 depending on the home value and loan type. 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 Lakewood Ranch Florida?
Borrowers must be at least 62 years old. If married and one spouse is under 62, that spouse may still be protected under Florida law as a non-borrowing spouse if certain conditions are met.
Are reverse mortgage proceeds taxable in Florida?
No. Reverse mortgage proceeds are considered loan advances not income so they are not subject to Florida state income tax. Florida has no state income tax which makes these loans even more beneficial for local retirees.
What happens to the reverse mortgage when the borrower dies in Florida?
The loan becomes due and payable. Heirs have up to 30 days under Florida law to decide whether to pay off the loan or sell the home. If they sell they keep any remaining equity.
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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 Florida.