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Find Reverse Mortgage Specialists Near You in Valrico, FL
Directory of reverse mortgage specialists in Valrico, Florida. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Valrico, 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 Valrico, 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.
Mike Neill Mortgage Broker NMLS #1064583
4934 Willow Ridge Terrace, Valrico, FL 33596
8138928666
Tony Recupero | Freedom First Mortgage Group
916 Innergary Pl, Valrico, FL 33594
8133263331
Royal & Co Mortgage Corp.
3821 Buckingham Loop Dr, Valrico, FL 33594
8136576900
A reverse mortgage specialist in Valrico, Florida helps homeowners aged 62 and older access home equity without monthly payments. Florida law requires borrowers to complete HUD-approved counseling before closing a Home Equity Conversion Mortgage (HECM). Valrico residents can use these funds for home repairs, medical expenses, or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Valrico Cost?
Typical costs for a reverse mortgage in Florida include an origination fee of up to $6,000, a mortgage insurance premium of 2% of the home value, and third-party fees for appraisal, title search, and recording. Total closing costs often range from $8,000 to $15,000. These costs are usually financed into the loan. 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 Valrico 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 follows federal HECM guidelines for age eligibility.
Do I need to own my home free and clear to get a reverse mortgage in Valrico?
No, you do not need to own the home free and clear. You must have significant equity, and any existing mortgage or liens must be paid off at closing using the reverse mortgage proceeds. Florida law requires a property appraisal to confirm value.
What happens to the reverse mortgage when I move out or pass away in Florida?
The loan becomes due when the last borrower permanently leaves the home or passes away. Heirs have 30 days under Florida law to decide whether to pay off the loan or sell the property. If sold, any remaining equity goes to the heirs.
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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.