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 Idaho before hiring.
Showing 18 reverse mortgage specialists in Idaho Falls, ID
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Idaho First Mortgage
3340 Merlin Dr #200, Idaho Falls, ID 83404
(208) 243-9100
idahofirstmortgage.com
Patriot Home Mortgage
1970 E 17th St Suite 116, Idaho Falls, ID 83404
(208) 521-8075
patriothomemortgage.com
Braylan Bean - Frontier Credit Union - Mortgage Loan Officer
865 S Woodruff Ave, Idaho Falls, ID 83401
(208) 670-2326
frontiercreditunion.com
Veritas Funding - Idaho Falls | Home Loans and Refinance
3040 E 17th St # A, Idaho Falls, ID 83406
(208) 390-2682
vfund.com
Legacy Mortgage Group, LLC
1600 John Adams Pkwy, Idaho Falls, ID 83401
(208) 525-3323
legacymortgagegroup.com
Nexus Mortgage Lending
4642, 550 W Sunnyside Rd Ste 11, Idaho Falls, ID 83402
(208) 529-0821
myidahomortgage.com
Brandy Knight Summit Funding
545 Shoup Ave Office 228, Idaho Falls, ID 83402
(208) 569-4085
brandyknight.com
Cross Country Mortgage-Tyler Winegar
3340 Merlin Dr #200, Idaho Falls, ID 83404
(208) 390-9091
app.crosscountrymortgage.com
Evergreen Home Loans Idaho Falls NMLS 2722676
591 Park Ave Suite 202-E, Idaho Falls, ID 83402
(208) 715-5036
evergreenhomeloans.com
Home | Front Mortgage - Southeast Idaho
3525 Merlin Dr, Idaho Falls, ID 83404
(800) 707-8845
homefrontloans.com
The Landers Group - Kiersten Landers, Mortgage Broker
3525 Merlin Dr, Idaho Falls, ID 83404
(208) 270-3861
kierstenlandersmortgage.com
What Does a Reverse Mortgage Specialist in Idaho Falls Cost?
Typical costs for a reverse mortgage in Idaho 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 third-party fees for appraisal and title work. For a home valued at 300,000 dollars, total upfront costs may range from 8,000 to 12,000 dollars. Annual servicing fees are usually 30 to 35 dollars per month. 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 age requirements for a reverse mortgage in Idaho Falls?
Borrowers must be at least 62 years old. For a couple, both spouses must be 62 or older to be on the loan. Younger spouses may have protections under HUD rules if the loan was originated after 2014.
Do I need counseling before getting a reverse mortgage in Idaho?
Yes. Idaho law requires all borrowers to complete a counseling session with a HUD-approved reverse mortgage counselor. This session covers loan terms, costs, and alternatives. You must receive a certificate of completion before the lender can proceed.
Can I lose my home with a reverse mortgage in Idaho Falls?
You can lose your home if you fail to pay property taxes, homeowners insurance, or maintain the property. Idaho has a strict timeline for curing defaults, typically 30 days after a notice. Staying current on these obligations is essential to keep the home.