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Browse reverse mortgage specialists serving Dunkirk, New York. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Dunkirk, 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 3 reverse mortgage specialists in Dunkirk, 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.
OneMain Financial
3968 Vineyard Dr, Dunkirk, NY 14048
7163796549
Gugino & Ryel Financial
200 Lake Shore Dr W, Dunkirk, NY 14048
7163632804
PlanningWealth WNY
4867 W Lake Rd #3, Dunkirk, NY 14048
7163264541
A reverse mortgage specialist in Dunkirk, New York can help homeowners aged 62 and older access home equity without monthly payments. New York state law requires borrowers to complete a HUD-approved counseling session before applying. Dunkirk residents often use these loans to supplement retirement income or cover home repairs in Chautauqua County.
What Does a Reverse Mortgage Specialist in Dunkirk Cost?
In New York, reverse mortgage specialists typically charge an origination fee of up to 2 percent of the home value, capped at $6,000. Third-party costs such as appraisal, title search, and recording fees usually range from $2,000 to $5,000. HUD counseling fees are generally under $150. Costs vary by loan type and property value. This information is general 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 Dunkirk New York?
Borrowers must be at least 62 years old. If married, the younger spouse must also meet this age requirement. New York law does not allow exceptions to this federal rule.
What counseling is needed before getting a reverse mortgage in New York?
New York requires all applicants to complete a counseling session with a HUD-approved agency. The session covers loan terms, costs, and alternatives. A certificate of completion is needed before the lender can process the application.
Are reverse mortgage proceeds taxable in New York?
Loan proceeds from a reverse mortgage are not considered income by New York State or the IRS. They do not affect Social Security or Medicare benefits. However, property taxes and homeowners insurance must still be paid on time.
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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.