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Find Reverse Mortgage Specialists in Binghamton, NY
Looking for a reverse mortgage specialist in Binghamton? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Binghamton, NY
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 York before hiring.
Showing 9 reverse mortgage specialists in Binghamton, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
GHS Federal Credit Union
910 Front St, Binghamton, NY 13905
8007324447
Supreme Lending-Mike Reid
32 W State St Suite# 209, Binghamton, NY 13901
6074252585
Merrill Lynch Wealth Management
2 Court St, Binghamton, NY 13901
6077726080
Renee Reksc Financial Services
1249 Front St # 107, Binghamton, NY 13905
6072387155
Morgan Stanley Financial Advisors
50 Front St, Binghamton, NY 13905
6077723400
Visions Wealth Management-33 Riverside Drive Group
33 Riverside Dr, Binghamton, NY 13905
6077703800
First Niagara Mortgage
65 Court St, Binghamton, NY 13901
6077725412
Feehan Financial Services - Northwestern Mutual
99 Hawley St Suite 200, Binghamton, NY 13901
6072317300
The Southern Tier Group - Morgan Stanley
50 Front St, Binghamton, NY 13905
6077723400
What Does a Reverse Mortgage Specialist in Binghamton Cost?
In New York, reverse mortgage costs include an origination fee capped at 2 percent of the first 200,000 dollars of home value plus 1 percent of the amount over 200,000 dollars, with a maximum of 6,000 dollars. The upfront mortgage insurance premium is 2 percent of the appraised value, and annual premiums are 0.5 percent of the loan balance. Third-party fees such as appraisal, title insurance, and recording fees add 1,000 to 3,000 dollars. These costs can be financed into the loan, reducing upfront cash needed. 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 is a reverse mortgage specialist in Binghamton?
A reverse mortgage specialist is a licensed professional who guides seniors through the process of obtaining a Home Equity Conversion Mortgage (HECM) insured by the Federal Housing Administration. They help with eligibility, loan terms, and closing requirements specific to New York state law.
What are the New York state requirements for a reverse mortgage?
New York requires borrowers to attend a counseling session with a HUD-approved counselor before applying. The loan must be for a primary residence, and the borrower must be at least 62 years old. New York also mandates a three-day right of rescission after closing.
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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 York.