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Compare reverse mortgage specialists in Hilo. Review contact information and insurance categorys before you decide.
13 agents listed
Updated May 2026
Hilo, HI
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 Hawaii before hiring.
Showing 13 reverse mortgage specialists in Hilo, HI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Family Mortgage Company of Hawaii Inc.: Jon Kimura & Donna Dodd
762 Kanoelehua Ave Suite C, Hilo, HI 96720
8089350678
Nicolette "Niki" Hubbard, Mortgage Loan Officer
99 Aupuni St Suite 214, Hilo, HI 96720
8089367673
Academy Mortgage
234 Waianuenue Ave Suite 103 & 104, Hilo, HI 96720
Family Mortgage Company of Hawaii, Inc.: Donna Dodd
762 Kanoelehua Ave Suite C, Hilo, HI 96720
8089350678
Patricia Erbschloe
32 Kinoole St STE 101, Hilo, HI 96720
5738322225
Finance Integrity LLC
17 Furneaux Ln #201, Hilo, HI 96720
8089616099
A reverse mortgage specialist in Hilo Hawaii helps homeowners aged 62 and older access home equity without selling their property. Hawaii law requires that borrowers receive counseling from a HUD approved agency before applying. Specialists in Hilo understand local property values and the unique needs of Big Island homeowners.
What Does a Reverse Mortgage Specialist in Hilo Cost?
Typical costs for a reverse mortgage in Hawaii include an origination fee up to 2 percent of the home value a mortgage insurance premium of 2 percent upfront plus 0.5 percent annually appraisal fees around 500 to 800 dollars and closing costs of 1 000 to 3 000 dollars. Total costs often range from 5 000 to 10 000 dollars but vary by loan amount and property value. 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 Hilo?
Borrowers must be at least 62 years old. If there are multiple borrowers the youngest must meet this age requirement. This follows federal HUD rules that apply in Hawaii.
Do I need to own my home free and clear to get a reverse mortgage?
No you do not need to own the home free and clear. You can use a reverse mortgage to pay off an existing mortgage. The remaining equity becomes available to you.
Are reverse mortgage proceeds taxable in Hawaii?
Reverse mortgage proceeds are not considered income by the IRS or the State of Hawaii. They are loan advances and are tax free. However you must still pay property taxes and insurance.
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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 Hawaii.