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Browse reverse mortgage specialists serving Nazareth, Pennsylvania. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Nazareth, PA
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 Pennsylvania before hiring.
Showing 2 reverse mortgage specialists in Nazareth, PA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Commonwealth Mortgage Brokers
2843 Eagle Nest Ln, Nazareth, PA 18064
4847478401
Smart Cents
19 S Broad St, Nazareth, PA 18064
6107599580
A reverse mortgage specialist in Nazareth, Pennsylvania helps homeowners aged 62 and older convert part of their home equity into tax-free funds without monthly mortgage payments. Pennsylvania law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Local specialists can guide you through the process and explain how a reverse mortgage interacts with Pennsylvania property taxes and estate laws.
What Does a Reverse Mortgage Specialist in Nazareth Cost?
Typical costs for a reverse mortgage in Pennsylvania include an origination fee of up to $6,000, a mortgage insurance premium of 2 percent of the appraised value, and third-party costs such as appraisal, title search, and recording fees. Total closing costs often range from $2,500 to $8,000 or more, depending on the home value and loan type. These costs can be financed into the loan, reducing the amount of cash available. 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 eligibility requirements for a reverse mortgage in Nazareth Pennsylvania?
Borrowers must be at least 62 years old, own their home outright or have a low mortgage balance, and live in the property as their primary residence. The home must be a single-family home, a 2-4 unit property, a HUD-approved condominium, or a manufactured home that meets FHA standards. Pennsylvania does not have additional state-specific eligibility rules beyond federal HECM requirements.
How does a reverse mortgage affect Pennsylvania property taxes in Nazareth?
A reverse mortgage does not change your property tax obligations. You must continue to pay property taxes on time to avoid default and potential foreclosure. Pennsylvania offers property tax and rent rebate programs for eligible seniors, which can help offset costs. Your reverse mortgage specialist can explain how to budget for taxes and insurance.
What happens to a reverse mortgage when the borrower dies in Pennsylvania?
When the last borrower dies, the loan becomes due. Heirs have 30 days to decide to repay the loan or sell the home. Pennsylvania law allows heirs to purchase the home for 95 percent of its appraised value if they choose to keep it. If the home is sold, any remaining equity after loan repayment goes to the heirs or the estate.
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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 Pennsylvania.