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Directory of reverse mortgage specialists in Ramsey, Minnesota. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Ramsey, MN
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 Minnesota before hiring.
Showing 3 reverse mortgage specialists in Ramsey, MN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Bell Bank Mortgage, Terri Ronneng
9457 US-10, Ramsey, MN 55303
6126707798
Lend Smart Mortgage, LLC
6957 US-10 #105, Ramsey, MN 55303
7634274116
Tanya Reopelle - Zip Mortgage NMLS 1505465
8756 151st Ave NW, Ramsey, MN 55303
9522884252
A reverse mortgage specialist in Ramsey, Minnesota helps homeowners aged 62 and older convert home equity into cash without monthly payments. Minnesota law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Specialists guide clients through the process, including understanding loan terms and state-specific protections.
What Does a Reverse Mortgage Specialist in Ramsey Cost?
Typical costs for a reverse mortgage specialist in Minnesota include an origination fee of up to 2 percent of the home value (capped at 6000 dollars), a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal, title search, and recording (usually 1000 to 3000 dollars). Minnesota law does not set specific fee limits beyond federal HECM rules. Costs vary by loan amount and property value. 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 Ramsey Minnesota?
Borrowers must be at least 62 years old. All homeowners listed on the title must meet this age requirement. Minnesota law does not add extra age restrictions beyond federal HUD rules.
Do I need counseling before getting a reverse mortgage in Minnesota?
Yes. Minnesota requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session explains loan terms, costs, and alternatives. The counselor must be independent of the lender.
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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 Minnesota.