ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse reverse mortgage specialists serving Harlingen, Texas. Contact information and addresses listed below.
17 agents listed
Updated May 2026
Harlingen, TX
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 Texas before hiring.
Showing 17 reverse mortgage specialists in Harlingen, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Janie Hernandez - The Unity Group powered by Eustis Mortgage
A reverse mortgage specialist in Harlingen Texas helps homeowners aged 62 and older access home equity without monthly payments. Texas law requires borrowers to complete a counseling session with a HUD-approved counselor before applying. Specialists guide clients through the Texas-specific regulations, including the homestead exemption and property tax deferral options.
What Does a Reverse Mortgage Specialist in Harlingen Cost?
Typical costs for a reverse mortgage specialist in Texas 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 ranging from 500 to 1500 dollars. Total closing costs often range from 3000 to 8000 dollars depending on the loan amount and property value. 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 Harlingen Texas?
Borrowers must be at least 62 years old. All homeowners on the title must meet this age requirement. Texas law does not allow exceptions for younger spouses.
Do I need to own my home free and clear to get a reverse mortgage in Harlingen?
No, you can have an existing mortgage. The reverse mortgage proceeds must first pay off any current mortgage balance. You must have sufficient equity in the home to qualify.
What types of reverse mortgages are available in Harlingen Texas?
The most common option is the Home Equity Conversion Mortgage or HECM, which is federally insured. Texas also allows proprietary reverse mortgages for higher-value homes. Both require HUD-approved counseling.
Free • No Obligation
Compare Reverse Mortgage Specialists
Get matched with agents in Harlingen who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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 Texas.