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Find Reverse Mortgage Specialists in Post Falls, ID

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

6 agents listed
Updated June 2026
Post Falls, ID
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 6 reverse mortgage specialists in Post 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.
LendNation
101 E Seltice Way, Post Falls, ID 83854
(208) 777-9644 lendnation.com
Monument Financial, Inc.
510 Clearwater Loop # 100, Post Falls, ID 83854
(208) 900-6350 mfimortgage.com
Idaho Mortgage Broker Laura Guadamuz, Loan Officer NMLS #2097030
4252 E 16th Ave, Post Falls, ID 83854
(208) 481-5899 futureofmortgage.com
Heartland Mortgage Inc NMLS# 70082
2700 E Seltice Way Ste 8, Post Falls, ID 83854
(208) 777-2030
Mimi Fisher - Powered by Modus Mortgage
510 Clearwater Loop, Post Falls, ID 83854
(208) 661-9457 mortgagebymimi.com
US Bank Mortgage
415 E Seltice Way, Post Falls, ID 83854
(800) 872-2657 usbank.com

What Does a Reverse Mortgage Specialist in Post Falls Cost?

Typical costs for a reverse mortgage in Idaho include an origination fee (up to $6,000 on a $300,000 home), a mortgage insurance premium (2% of the appraised value upfront plus 0.5% annually), and third-party fees for appraisal, title, and recording (often $1,500 to $3,500). Closing costs in Post Falls generally range from $8,000 to $15,000, but these can be 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 Post Falls Idaho?
You must be at least 62 years old to qualify for a HECM reverse mortgage in Idaho. The youngest borrower on the title must meet this age requirement. Idaho law does not add any additional age restrictions beyond the federal HUD rule.
Do I need to own my home free and clear to get a reverse mortgage in Idaho?
No, you do not need to own the home free and clear. You can use reverse mortgage proceeds to pay off an existing mortgage or other liens. The home must be your primary residence and meet HUD property standards in Kootenai County.
Are reverse mortgage proceeds taxable in Idaho?
No, reverse mortgage proceeds are not considered taxable income by the IRS or the Idaho State Tax Commission. They are treated as a loan advance. However, interest is not deductible until you pay it back, and property taxes must still be paid on time.

Reverse Mortgage Specialists in Other Idaho Cities

Ammon · Blackfoot · Boise · Chubbuck · Coeur d'Alene · Eagle · Garden City · Hailey · Hayden · Idaho Falls · Ketchum · Kuna · Lewiston · Meridian · Nampa

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal 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 state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Idaho.

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