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Find Reverse Mortgage Specialists Near You in Kings Mountain, NC
Browse reverse mortgage specialists serving Kings Mountain, North Carolina. Contact information and addresses listed below.
7 agents listed
Updated May 2026
Kings Mountain, NC
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 North Carolina before hiring.
Showing 7 reverse mortgage specialists in Kings Mountain, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
On Q Home Loans- Ben Ingle
129 S Battleground Ave, Kings Mountain, NC 28086
7048130839
On Q Home Loans | Kings Mountain
129 S Battleground Ave, Kings Mountain, NC 28086
7048130839
Diane Phillips
129 S Battleground Ave, Kings Mountain, NC 28086
7042143344
On Q Home Loans - Rene Taubensee
129 S Battleground Ave, Kings Mountain, NC 28086
4073420349
Michelle Cobb
129 S Battleground Ave, Kings Mountain, NC 28086
7042141740
Cardinal Financial - Ben Ingle - NMLS 58197
502 W King St Ste. 201, Kings Mountain, NC 28086
7048130839
Scott Phillips - On Q Home Loans, Home Mortgage Lender
129 S Battleground Ave, Kings Mountain, NC 28086
7042143332
Reverse mortgage specialists in Kings Mountain, North Carolina help homeowners aged 62 and older access home equity through FHA-insured Home Equity Conversion Mortgages (HECMs). North Carolina law requires borrowers to complete a counseling session with a HUD-approved counselor before applying. Local specialists can guide you through the process and explain how a reverse mortgage affects your property taxes and estate in Cleveland County.
What Does a Reverse Mortgage Specialist in Kings Mountain Cost?
Typical costs for a reverse mortgage specialist in North Carolina 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 such as appraisal and title search totaling around 500 to 1,500 dollars. Total closing costs often range from 5,000 to 10,000 dollars depending on the home value and loan type. These costs are usually financed into the loan rather than paid upfront. 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 eligibility requirements for a reverse mortgage in Kings Mountain?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The home must be your primary residence and meet FHA property standards. North Carolina does not impose additional state-specific age requirements beyond the federal minimum.
Do I need to attend counseling for a reverse mortgage in North Carolina?
Yes, North Carolina law requires all reverse mortgage applicants to complete a counseling session with a HUD-approved counselor. This session covers loan terms, costs, and alternatives. You must receive a counseling certificate before the lender can process your loan.
Can I lose my home with a reverse mortgage in Kings Mountain?
You can lose your home if you fail to pay property taxes, homeowners insurance, or maintain the property. North Carolina law requires lenders to provide clear disclosures about these obligations. You must continue living in the home as your primary residence to keep the loan in good standing.
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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 North Carolina.