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Find Reverse Mortgage Specialists in Niceville, FL
Looking for a reverse mortgage specialist in Niceville? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Niceville, 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 10 reverse mortgage specialists in Niceville, 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.
Steve Schutt NMLS #342876 Movement Mortgage
1054 E John Sims Pkwy, Niceville, FL 32578
8508978971
Bart Swan | Mortgage Lender
1382 E John Sims Pkwy, Niceville, FL 32578
8506784663
The Greg Daniels Team - Princeton Mortgage
4591 E Hwy 20 Ste 202-C, Niceville, FL 32578
8504997705
Mallory Fotiades, Mortgage Lender NMLS #1666711
4534 FL-20, Niceville, FL 32578
9108188378
Waterstone Mortgage Corporation
1845 E John Sims Pkwy, Niceville, FL 32578
8502794432
heather calvo
1845 E John Sims Pkwy, Niceville, FL 32578
8503626901
University Lending Group
2600 Partin Dr N Suite 310, Niceville, FL 32578
8502794630
Centennial Mortgage
1532 E John Sims Pkwy Unit A-2, Niceville, FL 32578
8502694714
Beach Community Mortgage
100 Armstrong Ave, Niceville, FL 32578
8506783990
Assurance Financial - Niceville, FL
1382 E John Sims Pkwy, Niceville, FL 32578
8503434365
A reverse mortgage specialist in Niceville Florida helps seniors aged 62 and older access home equity through a Home Equity Conversion Mortgage (HECM). Florida law requires borrowers to complete a HUD-approved counseling session before applying. Niceville residents benefit from local specialists who understand Okaloosa County property values and Florida homestead exemption rules.
What Does a Reverse Mortgage Specialist in Niceville Cost?
Typical costs for a reverse mortgage specialist in Florida include an origination fee of up to 2% of the home value, a mortgage insurance premium of 2% of the appraised value, and third-party fees for appraisal, title search, and recording. Total closing costs often range from 2,000 to 6,000 dollars depending on the property 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 Niceville Florida?
Borrowers must be at least 62 years old. If married, the younger spouse must also be 62 to be listed on the loan. Florida law follows federal HECM guidelines for age eligibility.
Do I need counseling before getting a reverse mortgage in Florida?
Yes. Florida law requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session must occur before you can submit a loan application.
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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.