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 11 reverse mortgage specialists in Kailua, 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.
Guild Mortgage - Ron Durant
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8087534622
Guild Mortgage - Cathy Allen
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082283322
Guild Mortgage Company
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082634622
Guild Mortgage - Gavin Brayce
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082638746
Hawaii VA Loans
111 Hekili St #102, Kailua, HI 96734
8088245272
Mortgage Associates of Hawaii
970 N Kalaheo Ave c313, Kailua, HI 96734
8082375500
Carolyn Lewis Team - Certified Mortgage Planners
93 N Kainalu Dr Atrium A, Kailua, HI 96734
8083798507
HG Mortgage
354 Uluniu St #402, Kailua, HI 96734
8082617703
Guild Mortgage - Jessica Takayesu
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082773693
Imperial Mortgage LLC
1005 Keolu Dr, Kailua, HI 96734
8082636363
Guild Mortgage - Alice Brayce
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082638742
What Does a Reverse Mortgage Specialist in Kailua Cost?
Typical costs for a reverse mortgage in Hawaii include an origination fee of up to 2 percent of the home value, a mortgage insurance premium of 2 percent of the appraised value, and closing costs ranging from 2000 to 5000 dollars. Appraisal fees in Kailua average 500 to 800 dollars. These costs are usually rolled into the loan balance. 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 Kailua Hawaii?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The home must be your primary residence. Hawaii law does not add extra age or property requirements beyond federal rules.
How does a reverse mortgage affect my heirs in Hawaii?
Heirs can keep the home by paying off the loan balance or selling the property. If the loan balance exceeds the home value, heirs owe no more than the appraised value. Hawaii probate rules may apply if the estate goes through court.
Are there Hawaii specific laws about reverse mortgage counseling?
Yes. Hawaii Revised Statutes Section 480E requires that all reverse mortgage borrowers receive independent counseling from a HUD approved agency. The counseling must happen at least 10 days before you sign any loan documents.