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Find Reverse Mortgage Specialists in Cottage Grove, OR
Directory of reverse mortgage specialists in Cottage Grove, Oregon. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Cottage Grove, OR
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 Oregon before hiring.
Showing 2 reverse mortgage specialists in Cottage Grove, OR
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Patriot Mortgage Corporation
640 N 9th St, Cottage Grove, OR 97424
5417670520
Patriot Mortgage Corporation
640 N 9th St, Cottage Grove, OR 97424
5417670520
A reverse mortgage specialist in Cottage Grove, Oregon helps homeowners aged 62 and older access home equity without monthly payments. Oregon law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Specialists guide clients through the process, including understanding loan terms and local property tax implications.
What Does a Reverse Mortgage Specialist in Cottage Grove Cost?
Typical costs for a reverse mortgage specialist in Oregon 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. These fees can range from 2000 to 8000 dollars depending on the home value. Costs vary by situation and lender. 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 age requirements for a reverse mortgage in Cottage Grove Oregon?
Borrowers must be at least 62 years old. All homeowners on the title must meet this age requirement. Oregon follows federal HECM guidelines for age eligibility.
Do I need counseling before getting a reverse mortgage in Oregon?
Yes, Oregon law requires HUD-approved counseling for all reverse mortgage applicants. The session covers loan costs, alternatives, and financial implications. The counselor must be independent from the lender.
Can I use a reverse mortgage to buy a home in Cottage Grove?
Yes, a HECM for Purchase allows eligible buyers to use a reverse mortgage to buy a primary residence in Cottage Grove. The buyer must pay the difference between the purchase price and the loan amount. Oregon property taxes still apply.
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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 Oregon.