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Find Reverse Mortgage Specialists in St Cloud, FL

Looking for a reverse mortgage specialist in St Cloud? Review the directory below to compare your options.

10 agents listed
Updated June 2026
St Cloud, 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 State Mortgage Licensing Authority of Florida before hiring.
Showing 10 reverse mortgage specialists in St Cloud, 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.
The Mortgage Firm- Saint Cloud Branch
1123 Florida Ave, St Cloud, FL 34769
(407) 593-0173 themortgagefirm.com
Ulysses Escobar, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
(407) 837-6884 barrettfinancial.com
Nelson Monge - Element Mortgage Branch Manager
707 13th St, St Cloud, FL 34769
(407) 301-3931 apmobile.apmortgage.com
Cathy Done - Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
(407) 360-4593 movement.com
Sheiny Hernandez, Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
(407) 716-3774 movement.com
Better Option Home Loans
5226 Northern Flicker Dr, St Cloud, FL 34771
(407) 754-6581 betteroptionhomeloans.com
Mike Schofield Mortgage Originator / NMLS # 2189548
4913 Emilee Grace Ln, St Cloud, FL 34771
(302) 358-1806 mksmortgage.com
Wolf's Crossing Mortgage
4601 Neptune Rd, St Cloud, FL 34769
(407) 752-2227
Mortgage Market Financial
4305 Neptune Rd, St Cloud, FL 34769
(407) 935-9511 mortgagemarketfinancial.com
Wolf's Crossing Mortgage - Juan Vasquez
4601 Neptune Rd, St Cloud, FL 34769
(407) 409-9319 wolfsmortgage.com

A reverse mortgage specialist in St Cloud Florida helps homeowners age 62 and older convert home equity into loan proceeds. Florida law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage. St Cloud residents can use these funds for home improvements medical expenses or supplementing retirement income.

What Does a Reverse Mortgage Specialist in St Cloud Cost?

Typical costs for a reverse mortgage specialist in Florida include an origination fee of up to 2 percent of the home value capped at 6000 dollars. Other costs include appraisal fees around 500 dollars and third-party charges for title search and recording. Closing costs generally range from 2000 to 8000 dollars depending on the loan amount. 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 St Cloud Florida?
Borrowers must be at least 62 years old. The youngest spouse on the title must meet this age requirement under Florida law and HUD guidelines.
Do I need counseling before getting a reverse mortgage in Florida?
Yes Florida law mandates that all borrowers complete a counseling session with a HUD-approved counselor. This session explains loan terms costs and alternatives before you can proceed with an application.
Can I lose my home with a reverse mortgage in St Cloud?
You can lose your home if you fail to pay property taxes homeowners insurance or maintain the property. Florida law requires lenders to verify your ability to meet these obligations before closing.

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