ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of reverse mortgage specialists in Santa Fe, New Mexico. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Santa Fe, NM
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 Mexico before hiring.
Showing 20 reverse mortgage specialists in Santa Fe, NM
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Homewise
1301 Siler Rd Bldg D, Santa Fe, NM 87507
5059839473
Nations Lending - Santa Fe, NM Branch - NMLS: 2147533
515 Don Gaspar Ave Suite A, Santa Fe, NM 87505
5052163593
Robert Morris at Waterstone Mortgage NMLS #492531
417 E Palace Ave, Santa Fe, NM 87501
5057804921
BernaDette Sanchez at Waterstone Mortgage NMLS #1194059
Sandra Claymore at Waterstone Mortgage NMLS #492523
417 E Palace Ave, Santa Fe, NM 87501
5057150278
Michael Hall at Waterstone Mortgage NMLS #210073
417 E Palace Ave, Santa Fe, NM 87501
5052633333
Brad Gallegos Branch
404 Kiva Ct STE G, Santa Fe, NM 87505
5056606235
Santa Fe Mortgage Company
459 Cerrillos Rd, Santa Fe, NM 87501
5059882501
Santa Fe Mortgage Company
459 Cerrillos Rd, Santa Fe, NM 87501
5059882501
Change Home Mortgage
549 S Guadalupe St #206, Santa Fe, NM 87501
5055966061
Guild Mortgage - Paula Delair
130 Lincoln Ave Ste K, Santa Fe, NM 87501
5056601988
Cissy Moore at Waterstone Mortgage NMLS #539901
417 E Palace Ave, Santa Fe, NM 87501
5056703454
Union Home Mortgage
150 Washington Ave Suite 201, Santa Fe, NM 87501
5054947946
Casita Mortgages
128 Grant Ave Ste 217, Santa Fe, NM 87501
5056906220
John Ruybalid - Reverse Mortgage Consultant
231A Co Rd 84, Santa Fe, NM 87506
5056901029
Mortgage Partners
417 E Palace Ave #3, Santa Fe, NM 87501
5056606575
The Mortgage Place
231 Washington Ave, Santa Fe, NM 87501
5059869080
Guild Mortgage Company
130 Lincoln Ave Ste K, Santa Fe, NM 87501
5052964747
Andrew Hoffman
417 E Palace Ave, Santa Fe, NM 87501
5056993304
A reverse mortgage specialist in Santa Fe, New Mexico helps homeowners aged 62 and older access home equity through a Home Equity Conversion Mortgage (HECM). In New Mexico, reverse mortgages are regulated by the New Mexico Mortgage Finance Authority and must comply with state disclosure laws. Specialists guide clients through the mandatory HUD counseling process and explain how property taxes and insurance requirements apply in Santa Fe County.
What Does a Reverse Mortgage Specialist in Santa Fe Cost?
Typical costs for a reverse mortgage in New Mexico 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 third-party fees for appraisal, title search, and recording. In Santa Fe, total closing costs often range from 5,000 to 10,000 dollars depending on the loan amount and property value. These costs are usually financed into the loan rather than paid upfront. 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 eligibility requirements for a reverse mortgage in Santa Fe?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The property must be your primary residence and meet FHA standards. In New Mexico, you are also required to complete a HUD-approved counseling session before applying.
How does a reverse mortgage affect my property taxes in Santa Fe?
You remain responsible for paying property taxes and homeowners insurance. In New Mexico, failure to pay taxes can lead to foreclosure. Specialists can help you set up a life expectancy set-aside account to cover these costs from the loan proceeds.
What is the role of a reverse mortgage specialist in New Mexico?
A specialist explains loan terms, costs, and repayment options. They also help you understand New Mexico specific rules, such as the required three-day rescission period after closing. They do not provide legal advice but can refer you to a qualified attorney if needed.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Santa Fe who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 New Mexico.