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Find Reverse Mortgage Specialists Near You in St Joseph, MI
Directory of reverse mortgage specialists in St Joseph, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
9 agents listed
Updated May 2026
St Joseph, 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 9 reverse mortgage specialists in St Joseph, 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.
Joy Cluff- Mortgage Loan Advisor
2819 S State St St, St Joseph, MI 49085
2693636953
Sturgis Bank – St. Joseph Banking Center
320 Main St, St Joseph, MI 49085
2699324297
Sturgis Bank – St. Joseph Banking Center
3125 Cleveland Ave, St Joseph, MI 49085
2696591487
Wells Fargo Advisors
500 Momany Dr, St Joseph, MI 49085
2694081776
CMG Financial
800 Port St STE C, St Joseph, MI 49085
2693520579
Rate
717 Ship St, St Joseph, MI 49085
6162151020
Chase Mortgage
1310 Hilltop Rd, St Joseph, MI 49085
2699264784
Aspirean Wealth
505 Pleasant St, St Joseph, MI 49085
2699833030
Matthew Mast - Thrivent
715 Market St, St Joseph, MI 49085
2694088211
A reverse mortgage specialist in St Joseph Michigan can help seniors access home equity while retaining ownership. Michigan law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage. Local specialists understand the unique housing market in Berrien County and can guide you through the process.
What Does a Reverse Mortgage Specialist in St Joseph Cost?
Typical costs for a reverse mortgage in Michigan include an origination fee of up to 2 percent of the home value with a cap of 6000 dollars. Closing costs such as appraisal title search and recording fees usually range from 2000 to 5000 dollars. Michigan also requires a HUD counseling fee typically between 125 and 250 dollars. All costs are deducted from the loan proceeds. 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 is a reverse mortgage specialist in St Joseph Michigan?
A reverse mortgage specialist is a professional who helps seniors understand and apply for reverse mortgages. In Michigan they must follow state and federal lending laws including the requirement for mandatory counseling.
What are the eligibility requirements for a reverse mortgage in Michigan?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The home must be your primary residence and you must complete a HUD-approved counseling session before applying.
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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.