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Find Reverse Mortgage Specialists Near You in St Cloud, MN
Looking for a reverse mortgage specialist in St Cloud? Review the directory below to compare your options.
11 agents listed
Updated May 2026
St Cloud, 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 11 reverse mortgage specialists in St Cloud, 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.
Envision Capital
14 7th Ave N, St Cloud, MN 56303
3202911075
St. Cloud Mortgage, Inc.
606 25th Ave S #101, St Cloud, MN 56301
3202607576
New American Funding - St Cloud, MN
4150 2nd St S Ste 325, St Cloud, MN 56301
3202011356
One Mortgage, LLC
1407 33rd St S, St Cloud, MN 56301
3202570223
New American Funding - Michael Schrupp
4150 2nd St N Ste 325, St Cloud, MN 56301
6122803657
Shelvin Dean - St. Cloud Mortgage, Inc
606 25th Ave S #101, St Cloud, MN 56301
3202664973
Supreme Lending - Aaron Reznechek
80 37th Ave S Suite 200, St Cloud, MN 56301
3202607618
Granite City Mortgage of Saint Cloud Inc
600 25th Ave S Ste 208, St Cloud, MN 56301
3202520100
Chris Wahl at Guaranteed Rate Affinity (NMLS #283507)
2680 W St Germain St, St Cloud, MN 56301
7632356215
Shelvin @ St. Cloud Mortgage, Inc.
606 25th Ave S #101, St Cloud, MN 56301
3202664973
Tamara Underwood-U.S. Bank Mortgage
1015 W St Germain St, St Cloud, MN 56301
3202598430
A reverse mortgage specialist in St Cloud Minnesota helps homeowners aged 62 and older convert home equity into cash. Minnesota law requires borrowers to complete HUD approved counseling before applying. Local specialists guide clients through the process and explain how a reverse mortgage affects Minnesota homestead property tax credits.
What Does a Reverse Mortgage Specialist in St Cloud Cost?
Typical costs for a reverse mortgage in Minnesota include an origination fee of up to 2 percent of the home value, mortgage insurance premiums of 2 percent of the appraised value upfront plus 0.5 percent annually, and third party fees for appraisal, title search, and recording. Total closing costs often range from 2,000 to 8,000 dollars depending on the property value and loan type. 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 St Cloud Minnesota?
Borrowers must be at least 62 years old. The youngest borrower on the title must meet this age requirement under federal HUD rules.
Do I need counseling before getting a reverse mortgage in Minnesota?
Yes. Minnesota law requires all reverse mortgage applicants to complete counseling with a HUD approved agency. The counseling session covers loan terms, costs, and alternatives.
Can a reverse mortgage affect my Minnesota homestead property tax exclusion?
Yes. A reverse mortgage does not change your ownership, but you must still pay property taxes. If you fail to pay taxes, you could lose the homestead exclusion and face foreclosure.
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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.