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Compare Reverse Mortgage Specialists in Midland, MI
Compare reverse mortgage specialists in Midland. Review contact information and insurance categorys before you decide.
19 agents listed
Updated May 2026
Midland, MI
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 Michigan before hiring.
Showing 19 reverse mortgage specialists in Midland, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
RE/MAX of Midland (Michigan)
4900 Eastman Ave, Midland, MI 48640
9898320090
Total Home Lending - Joe Gracia
6024 Eastman Ave Suite B, Midland, MI 48640
9896156642
Academy Mortgage
6024 Eastman Ave, Midland, MI 48640
9896983283
Chad Gilstad Motto Mortgage Energy
4900 Eastman Ave, Midland, MI 48640
9899489035
Total Home Lending - Brad Schalk
801 Joe Mann Blvd P, Midland, MI 48642
9894887772
Steve King - First Community Mortgage - NMLS ID 161279
4977 Eastman Ave, Midland, MI 48640
9898596312
Academy Mortgage
111 E Wackerly St Suite C, Midland, MI 48642
9896151581
Scott Strouse - Citywide Home Mortgage
214 W Wackerly St Suite 200, Midland, MI 48640
9898598330
Geneva Financial Home Loans - Maria Fernette
702 Ashman St Suite C, Midland, MI 48640
9895133436
Steve Branigan - First Community Mortgage - NMLS ID 161997
4977 Eastman Ave, Midland, MI 48640
9894887783
Sue Moody at Citywide (NMLS #533597)
214 W Wackerly St Suite 200 Office 1, Midland, MI 48640
9894889219
Asset Brokers & Loans
1602 S Saginaw Rd, Midland, MI 48640
9896319080
SYM Financial Advisors
414 Townsend St # 202, Midland, MI 48640
9896310244
First Community Mortgage - Midland, MI
4977 Eastman Ave, Midland, MI 48640
8004648626
Motto Mortgage Energy
4900 Eastman Ave, Midland, MI 48640
9895464333
Jessica Barber- Loan Originator
214 W Wackerly St Suite 200, Midland, MI 48640
9892059333
RFM Financial Solutions LLC
1515 Commerce Dr # C, Midland, MI 48642
9896319500
Jessica Barber at Citywide (NMLS #1323444)
214 W Wackerly St Suite 200 Office 1, Midland, MI 48640
9892561554
New Executive Mortgage LLC
200 E Main St #300, Midland, MI 48640
9894869645
A reverse mortgage specialist in Midland Michigan helps homeowners aged 62 and older convert home equity into tax free funds. Michigan law requires borrowers to complete HUD approved counseling before obtaining a Home Equity Conversion Mortgage. Local specialists can explain how a reverse mortgage affects your estate and heirs under Michigan probate rules.
What Does a Reverse Mortgage Specialist in Midland Cost?
Typical costs for a reverse mortgage in Michigan 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 title and recording. Total closing costs often range from 3000 to 8000 but can be higher for high value homes. Costs are usually financed into the loan so you pay little upfront. 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 eligibility requirements for a reverse mortgage in Midland Michigan?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The property must be your primary residence and meet HUD property standards. You also need to complete a counseling session with a HUD approved agency.
How does a reverse mortgage affect my heirs in Michigan?
Heirs can repay the loan by selling the home or refinancing. If the loan balance exceeds the home value they are not personally liable for the difference. Michigan law gives heirs 30 days after the last borrower dies to decide what to do.
Are reverse mortgage proceeds taxable in Michigan?
Loan proceeds are not considered income for federal or state tax purposes. They do not affect Social Security or Medicare benefits. However they may affect Medicaid eligibility if you do not spend the funds in the same month you receive them.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial 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 mortgage licensing authority before hiring.
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 Michigan.