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Find Reverse Mortgage Specialists in Frankfort, KY
Looking for a reverse mortgage specialist in Frankfort? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Frankfort, KY
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 Kentucky before hiring.
Showing 9 reverse mortgage specialists in Frankfort, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Stockton Mortgage | Corporate | Frankfort, KY | NMLS# 8259
88 C Michael Davenport Blvd STE 1, Frankfort, KY 40601
5022271100
Stockton Mortgage Frankfort | NMLS #8259
305 Leonardwood Dr Suite 3, Frankfort, KY 40601
5022271100
USA Mortgage
1009 Twilight Trail Unit 109, Frankfort, KY 40601
5026800953
Emmett Exum Jr, Mortgage Banker, NMLS #14331
88 C Michael Davenport Blvd STE 1, Frankfort, KY 40601
5022983527
Belinda Bay, Mortgage Loan Originator, NMLS #50602
305 Leonardwood Dr #3A, Frankfort, KY 40601
5028030470
Sandy Smith-USA Mortgage
1009 Twilight Trail Unit 109, Frankfort, KY 40601
8598931444
Ed Locke-USA Mortgage
1009 Twilight Trail Unit 109, Frankfort, KY 40601
5026800953
Republic State Mortgage
750 E Main St, Frankfort, KY 40601
5027449890
Mortgage Loans - Frankfort
114 Portsmouth Ln, Frankfort, KY 40601
8443841714
Reverse mortgage specialists in Frankfort Kentucky help homeowners aged 62 and older convert home equity into cash without monthly payments. These professionals guide clients through the federally insured Home Equity Conversion Mortgage (HECM) program and explain how Kentucky property tax deferral options may interact with reverse mortgage proceeds. Local specialists understand Frankforts real estate market and can clarify how Kentucky law treats reverse mortgage funds as loan advances not income.
What Does a Reverse Mortgage Specialist in Frankfort Cost?
Typical costs for a reverse mortgage in Kentucky include an origination fee of up to 2 percent of the first 200000 of home value plus 1 percent of the amount over 200000, a mortgage insurance premium of 2 percent of the appraised value, and third-party fees such as appraisal and title search ranging from 500 to 1500. Closing costs generally total between 3000 and 8000 depending on the home value and lender. 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 Frankfort Kentucky?
Borrowers must be at least 62 years old. If there are two borrowers on the deed both must meet this age requirement. Kentucky does not have any additional age restrictions beyond federal HECM rules.
Do I need to own my home free and clear to qualify for a reverse mortgage in Frankfort?
No you do not need to own the home free and clear. You must have substantial equity and the home must be your primary residence. The reverse mortgage will pay off any existing mortgage balance first.
What types of homes are eligible for a reverse mortgage in Frankfort Kentucky?
Eligible properties include single-family homes, two-to-four unit properties with the borrower living in one unit, and FHA-approved condominiums. Manufactured homes may qualify if they meet HUD requirements. Kentucky law does not restrict property types beyond federal guidelines.
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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 Kentucky.