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Compare Reverse Mortgage Specialists in Ponte Vedra Beach, FL
Directory of reverse mortgage specialists in Ponte Vedra Beach, Florida. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Ponte Vedra 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 3 reverse mortgage specialists in Ponte Vedra 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.
First Down Mortgage
820 A1A N suite w-4, Ponte Vedra Beach, FL 32082
9043330390
Atlantic Trust Mortgage
466 Town Plaza Ave Suite 320, Ponte Vedra Beach, FL 32081
9045538988
John O'Connor at Prosperity Home Mortgage - Ponte Vedra Beach
333 Village Main St #670, Ponte Vedra Beach, FL 32082
9043494376
Reverse mortgage specialists in Ponte Vedra Beach help homeowners aged 62 and older access home equity without monthly payments. Florida law requires borrowers to complete a counseling session with a HUD approved agency before applying. Ponte Vedra Beach residents often use these funds for home improvements or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Ponte Vedra Beach Cost?
Typical costs for a reverse mortgage 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 and title work. Total closing costs often range from 3,000 to 8,000 dollars depending on the home value and lender. 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 are the eligibility requirements for a reverse mortgage in Ponte Vedra Beach Florida?
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. Florida law also requires a financial assessment to ensure the borrower can pay property taxes and insurance.
How does Florida law affect reverse mortgage proceeds?
Florida law does not tax reverse mortgage proceeds as income. However, the loan must be repaid when the borrower moves out or passes away. The state also has a three day right of rescission period after closing.
What happens to a reverse mortgage if I move out of Ponte Vedra Beach?
If you move out of your primary residence for more than 12 consecutive months, the loan becomes due. This includes moving to a nursing home or assisted living facility. You must then sell the home or repay the loan.
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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.