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Compare Reverse Mortgage Specialists in Johnston, RI
Directory of reverse mortgage specialists in Johnston, Rhode Island. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Johnston, RI
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 Rhode Island before hiring.
Showing 2 reverse mortgage specialists in Johnston, RI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
TMF, Mortgage Professionals
986 Hartford Ave, Johnston, RI 02919
4012970205
Ray Zanni Accutrust Mortgage
655 Killingly St, Johnston, RI 02919
4012866034
Reverse mortgage specialists in Johnston, Rhode Island help older homeowners access home equity without monthly payments. Rhode Island law requires all reverse mortgage borrowers to complete a counseling session with a HUD-approved counselor. These specialists guide clients through the process, from eligibility to closing, and ensure compliance with state and federal regulations.
What Does a Reverse Mortgage Specialist in Johnston Cost?
Typical costs for a reverse mortgage in Rhode Island 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 for appraisal, title search, and recording. Total closing costs often range from 5,000 to 9,000 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 does a reverse mortgage specialist in Johnston do?
A reverse mortgage specialist helps Johnston homeowners age 62 and older understand and apply for a Home Equity Conversion Mortgage. They explain loan terms, costs, and how the loan affects heirs. They also coordinate with HUD-approved counselors as required by Rhode Island law.
Are there Rhode Island specific rules for reverse mortgages?
Yes Rhode Island requires a mandatory counseling session with a HUD-approved counselor before a reverse mortgage application can proceed. The state also imposes a three-day right of rescission after closing. Specialists must follow these rules to protect borrowers.
How long does the reverse mortgage process take in Johnston?
The process typically takes 30 to 45 days from application to closing. This includes counseling, appraisal, and underwriting. Delays can occur if the property requires repairs or if documents are incomplete.
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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 Rhode Island.