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Find Reverse Mortgage Specialists Near You in Smithfield, NC
Directory of reverse mortgage specialists in Smithfield, North Carolina. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Smithfield, 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 6 reverse mortgage specialists in Smithfield, 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.
Mariner Finance
1267 N Brightleaf Blvd B, Smithfield, NC 27577
9199380777
Coastal Finance Co
130 E Peedin Rd, Smithfield, NC 27577
9199893114
OneMain Financial
1670 Booker Dairy Rd, Smithfield, NC 27577
9199896603
Lendmark Financial Services LLC
388 Venture Dr Suite C, Smithfield, NC 27577
9842019196
Edward Jones - Financial Advisor: Mike Mullins, CFP®|CRPC™|SE-AWMA®
111 S 3rd St, Smithfield, NC 27577
9193388083
PNC Mortgage
410 E Market St, Smithfield, NC 27577
9199340171
A reverse mortgage specialist in Smithfield, North Carolina helps seniors aged 62 and older convert home equity into tax-free funds. North Carolina law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Smithfield residents can use these funds for home repairs, medical expenses, or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Smithfield Cost?
Typical costs for a reverse mortgage 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 like appraisal and title search. Total closing costs usually range from 2,000 to 6,000 dollars. These costs 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 is a reverse mortgage specialist in Smithfield?
A reverse mortgage specialist is a licensed professional who guides seniors through the HECM process. They explain loan terms, costs, and eligibility requirements specific to North Carolina.
Who qualifies for a reverse mortgage in Smithfield North Carolina?
Borrowers must be at least 62 years old, own their home outright or have low mortgage balance, and live in the property as their primary residence. North Carolina law also requires mandatory counseling from a HUD-approved agency.
Are reverse mortgages regulated differently in North Carolina?
Yes, North Carolina has specific disclosure requirements and a three-day right of rescission after loan closing. Lenders must follow state licensing rules under the North Carolina Commissioner of Banks.
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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.