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Directory of reverse mortgage specialists in Gallatin, Tennessee. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Gallatin, TN
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 Tennessee before hiring.
Showing 11 reverse mortgage specialists in Gallatin, TN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Motto Mortgage Lakeside
880 GreenLea Blvd Suite A-106, Gallatin, TN 37066
6159062129
Broadway Mortgage Group
132 N Water Ave, Gallatin, TN 37066
6154776674
Christopher Tucker Motto Mortgage Lakeside
880 GreenLea Blvd Suite A-106, Gallatin, TN 37066
6156043516
Cambridge Mortgage Inc
115 E Main St # B, Gallatin, TN 37066
6152301998
Endurance Mortgage LLC
1509 Hunt Club Blvd STE 600, Gallatin, TN 37066
5025503003
Alexander Realejo Mortgage Loan Officer - Colten Mortgage
1517 Hunt Club Blvd Suite 200, Gallatin, TN 37066
6153185144
The Chapman Mortgage Team - Mortgage Broker
1020 Pittman Dr, Gallatin, TN 37066
8033603101
Calvin Zimmermann Motto Mortgage Lakeside
880 GreenLea Blvd Suite A-106, Gallatin, TN 37066
8593245703
Megan Bruner Motto Mortgage Lakeside
880 GreenLea Blvd Ste A-106, Gallatin, TN 37066
6155431702
Wendy Thompson Team Gallatin Mortgage Brokers & Lending Company
112 Public Square, Gallatin, TN 37066
6155903331
DHI Mortgage
3025 Frankford Private Cv, Gallatin, TN 37066
6156305026
A reverse mortgage specialist in Gallatin, Tennessee helps homeowners aged 62 and older convert home equity into tax-free funds. Tennessee law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Specialists in Gallatin guide clients through this process and explain how local property tax deferral programs may interact with reverse mortgage proceeds.
What Does a Reverse Mortgage Specialist in Gallatin Cost?
Typical costs for a reverse mortgage in Tennessee include an origination fee of up to 2 percent of the home value (capped at 6000 dollars), an upfront mortgage insurance premium of 2 percent of the appraised value, and appraisal fees ranging from 400 to 600 dollars. Third-party closing costs such as title search and recording fees add 500 to 1500 dollars. Total closing costs for a 200,000 dollar home in Gallatin often range from 8,000 to 12,000 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 are the age requirements for a reverse mortgage in Gallatin Tennessee?
Borrowers must be at least 62 years old. For married couples, both spouses must meet this age requirement unless the non-borrowing spouse qualifies under special HUD rules.
Do I need to own my home free and clear to get a reverse mortgage in Gallatin?
No, you can have an existing mortgage. The reverse mortgage will pay off your current loan first. You must have enough equity in the home to cover the payoff and closing costs.
Are reverse mortgage proceeds taxable in Tennessee?
Reverse mortgage proceeds are not considered income by the IRS or the state of Tennessee. They are loan advances and are tax-free. However, interest on the loan is not deductible until the loan is repaid.
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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 Tennessee.