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Reverse Mortgage Specialists in Wilkes-Barre Township, PA
Directory of reverse mortgage specialists in Wilkes-Barre Township, Pennsylvania. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Wilkes-Barre Township, 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 Wilkes-Barre Township, 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.
Guild Mortgage - Bobby Rother
613 Baltimore Dr Suite 4, Wilkes-Barre Township, PA 18702
5702352186
Guild Mortgage Company
613 Baltimore Dr Suite 4, Wilkes-Barre Township, PA 18702
5702352178
Reverse mortgage specialists in Wilkes-Barre Township, Pennsylvania help older homeowners access home equity through FHA-insured Home Equity Conversion Mortgages (HECMs). Pennsylvania law requires borrowers to complete HUD-approved counseling before applying. Local specialists can guide you through the process, including property tax deferral programs available in Luzerne County.
What Does a Reverse Mortgage Specialist in Wilkes-Barre Township Cost?
Typical costs for a reverse mortgage in Pennsylvania include an origination fee of up to 2 percent of the home value (capped at $6,000), a mortgage insurance premium of 2 percent of the appraised value, and third-party fees for appraisal, title search, and recording. Total closing costs in Wilkes-Barre Township often range from $8,000 to $15,000, depending on the loan amount and property value. These costs are usually financed into the loan. 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 is a reverse mortgage specialist in Wilkes-Barre Township?
A reverse mortgage specialist is a licensed professional who helps homeowners aged 62 and older obtain a HECM loan. They explain loan terms, costs, and eligibility requirements specific to Pennsylvania regulations.
Do I need to own my home free and clear to get a reverse mortgage in Wilkes-Barre Township?
No, you do not need to own your home free and clear. You can use a reverse mortgage to pay off an existing mortgage. The remaining loan balance after paying off your current mortgage becomes available to you.
Are reverse mortgage proceeds taxable in Pennsylvania?
Reverse mortgage proceeds are not considered income for federal or Pennsylvania state tax purposes. They are loan advances and do not affect Social Security or Medicare benefits. Consult a tax professional for your specific situation.
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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.