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Find Reverse Mortgage Specialists Near You in Herculaneum, MO

Looking for a reverse mortgage specialist in Herculaneum? Review the directory below to compare your options.

3 agents listed
Updated June 2026
Herculaneum, MO
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 State Mortgage Licensing Authority of Missouri before hiring.
Showing 3 reverse mortgage specialists in Herculaneum, MO Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Chris Scheer Motto Mortgage Tried and True
1349 McNutt St, Herculaneum, MO 63048
(314) 223-9824 mottomortgage.com
Motto Mortgage Tried and True
1349 McNutt St, Herculaneum, MO 63048
(636) 638-1074 mottomortgage.com
Jolene Blecha Motto Mortgage Tried and True
1349 McNutt St, Herculaneum, MO 63048
(636) 638-1074 mottomortgage.com

Reverse mortgage specialists in Herculaneum, Missouri help homeowners aged 62 and older convert part of their home equity into tax-free funds. Missouri law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Specialists can guide you through this process and explain how local property values in Jefferson County affect loan amounts.

What Does a Reverse Mortgage Specialist in Herculaneum Cost?

Typical costs for a reverse mortgage specialist in Missouri include an origination fee of up to 2 percent of the home value (capped at $6,000), a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal, title search, and recording. Total closing costs often range from $5,000 to $15,000. Costs vary by loan amount and lender. 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 does a reverse mortgage specialist in Herculaneum do?
A reverse mortgage specialist explains HECM loan options, helps you apply, and coordinates with HUD-approved counselors. They also review Missouri-specific rules, such as the requirement that borrowers must occupy the home as their primary residence.
Are there income or credit requirements for a reverse mortgage in Missouri?
Yes, lenders must verify that you have the financial ability to pay property taxes, insurance, and maintenance. Missouri law does not set a minimum credit score, but most lenders require a financial assessment to ensure you can meet ongoing obligations.
Can I lose my home with a reverse mortgage in Herculaneum?
You can lose your home if you fail to pay property taxes, homeowners insurance, or maintain the property. Missouri law also requires you to live in the home as your primary residence. If you move out for more than 12 consecutive months, the loan becomes due.

Reverse Mortgage Specialists in Other Missouri Cities

Arnold · Ballwin · Blue Springs · Cape Girardeau · Carthage · Chesterfield · Clayton · Columbia · Cottleville · Creve Coeur · Dardenne Prairie · Ellisville · Eureka · Excelsior Springs · Festus

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal 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 state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Missouri.

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