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Find Reverse Mortgage Specialists Near You in Ames, IA
Browse reverse mortgage specialists serving Ames, Iowa. Contact information and addresses listed below.
8 agents listed
Updated May 2026
Ames, IA
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 Iowa before hiring.
Showing 8 reverse mortgage specialists in Ames, IA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Global State Mortgage a division of American Pacific Mortgage
1606 S Duff Ave UNIT 300, Ames, IA 50010
5152335046
Guild Mortgage Company
1103 Buckeye Ave Suite 103, Ames, IA 50010
5155985626
Guild Mortgage - Jayme Kupka
1103 Buckeye Ave Suite 103, Ames, IA 50010
5155985626
Inlanta Mortgage - The Kupka Mortgage Team
1103 Buckeye Ave Suite 103, Ames, IA 50010
5155985626
Guild Mortgage - Jason Kupka
1103 Buckeye Ave Suite 103, Ames, IA 50010
5155985626
US Bank Mortgage
2540 Lincoln Way, Ames, IA 50014
5152393618
US Bank Mortgage
405 Main St, Ames, IA 50010
8008722657
Susan M Hansen - 400181 - Wells Fargo Home Mortgage
424 Main St, Ames, IA 50010
5152337131
A reverse mortgage specialist in Ames, Iowa helps homeowners aged 62 and older convert home equity into tax-free funds. Iowa law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage. Specialists guide clients through the unique requirements of Iowa property law and the HECM program.
What Does a Reverse Mortgage Specialist in Ames Cost?
Typical costs for a reverse mortgage specialist in Iowa include an origination fee of up to 2 percent of the home value (capped at 6 thousand dollars), a mortgage insurance premium of 2 percent of the appraised value, and third-party costs like appraisal and title search. Total closing costs often range from 5 thousand to 10 thousand dollars. These costs 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 and equity requirements for a reverse mortgage in Ames Iowa?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The home must be your primary residence and meet FHA property standards. Iowa does not have additional state age requirements beyond the federal minimum.
Do I need counseling before getting a reverse mortgage in Iowa?
Yes, Iowa law requires all borrowers to complete a counseling session with a HUD-approved counselor before applying. This session covers loan terms, costs, and alternatives. The counselor must be independent of the lender.
What happens to the reverse mortgage if I move out of my Ames home?
If you move out of your primary residence for more than 12 consecutive months, the loan becomes due and payable. This includes moving to a nursing home or assisted living facility. You or your heirs must then repay the loan, typically by selling the home.
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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 Iowa.