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Find Reverse Mortgage Specialists Near You in Portsmouth, NH
Directory of reverse mortgage specialists in Portsmouth, New Hampshire. Verify credentials with the state mortgage licensing authority before hiring.
10 agents listed
Updated May 2026
Portsmouth, NH
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 New Hampshire before hiring.
Showing 10 reverse mortgage specialists in Portsmouth, NH
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
X5 Home Loans
300 Constitution Ave Unit 202, Portsmouth, NH 03801
6035652797
AJ Lane
40 Congress Street, Portsmouth, NH 03801
6034986803
Fairway Home Mortgage: Tom Kressler, Loan Officer
155 Fleet St Office #313, Portsmouth, NH 03801
6039696976
Cousins Home Lending Inc
1 New Hampshire Ave #125, Portsmouth, NH 03801
6034332223
PrimeLending, A PlainsCapital Company - Seacoast
1 New Hampshire Ave Suite 205, Portsmouth, NH 03801
6035700948
John Bockman, NMLS 181740 PrimeLending, Equal Housing Lender, PrimeLending.com/legal
1 New Hampshire Ave #125, Portsmouth, NH 03801
6039693298
New England Regional Mortgage Corporation
170 Commerce Way #200, Portsmouth, NH 03801
8006574216
Ray Tweedie NMLS#168746, Novus Home Mortgage
100 International Dr Suite 355, Portsmouth, NH 03801
6038420286
Jason Zilm, NMLS#76694, PrimeLending
1 New Hampshire Ave Suite 205, Portsmouth, NH 03801
6032353947
Guild Mortgage - Tom Rankin
1 New Hampshire Ave Suite 125, Office 4 And 13, Portsmouth, NH 03801
6033105367
A reverse mortgage specialist in Portsmouth, New Hampshire helps homeowners aged 62 and older convert home equity into loan proceeds. In New Hampshire, all reverse mortgage originators must hold a valid state license and follow federal HUD guidelines for Home Equity Conversion Mortgages. Portsmouth residents often use these loans to supplement retirement income or cover home repairs while remaining in their homes.
What Does a Reverse Mortgage Specialist in Portsmouth Cost?
Typical costs for a reverse mortgage in New Hampshire 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 appraisal fees ranging from 400 to 800 dollars. Closing costs such as title insurance and recording fees add 500 to 1,500 dollars. Total upfront costs often range from 5,000 to 10,000 dollars, but these can be financed into the loan. 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 qualifications must a reverse mortgage specialist have in New Hampshire?
In New Hampshire, reverse mortgage specialists must be licensed mortgage loan originators through the New Hampshire Banking Department. They must also complete HUD-approved training for Home Equity Conversion Mortgages. Always verify a specialist license status on the Nationwide Multistate Licensing System.
Are reverse mortgage proceeds taxable in New Hampshire?
Reverse mortgage proceeds are not considered income for federal or New Hampshire state tax purposes. However, interest on the loan is not deductible until the loan is paid off. New Hampshire does not have a state income tax, so there is no state tax on the loan funds.
What happens to a reverse mortgage if the borrower moves out of Portsmouth?
If the borrower permanently moves out of the home for more than 12 consecutive months, the reverse mortgage becomes due. This includes moving to a nursing home or assisted living facility. The borrower or their heirs must then repay the loan, typically by selling the home.
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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 New Hampshire.