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Find Reverse Mortgage Specialists in Christiansburg, VA
Directory of reverse mortgage specialists in Christiansburg, Virginia. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Christiansburg, VA
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 Virginia before hiring.
Showing 4 reverse mortgage specialists in Christiansburg, VA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Waterstone Mortgage - Christiansburg, VA
225 Central Ave, Christiansburg, VA 24073
2626919300
Regional Finance
112 Peppers Ferry Rd NW, Christiansburg, VA 24073
5402518162
Lendmark Financial Services LLC
1568 N Franklin St, Christiansburg, VA 24073
5402510286
OneMain Financial
1580 N Franklin St #2, Christiansburg, VA 24073
5403824935
A reverse mortgage specialist in Christiansburg, Virginia helps homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. Virginia law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage (HECM). Local specialists can guide you through Virginia-specific property tax deferral programs and the impact of reverse mortgages on estate planning.
What Does a Reverse Mortgage Specialist in Christiansburg Cost?
Typical costs for a reverse mortgage in Virginia include an origination fee (up to $6,000), mortgage insurance premium (2% of the home value upfront plus 0.5% annually), appraisal fee ($400 to $800), and closing costs ($1,500 to $3,000). Total upfront costs often range from $8,000 to $15,000 but can be financed into the loan. These figures are general estimates and actual costs vary by lender and property. 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 Christiansburg Virginia?
You must be at least 62 years old and own your home outright or have a low mortgage balance. The property must be your primary residence and meet HUD minimum property standards. Virginia law also requires you to attend a counseling session with a HUD-approved counselor before you can apply.
How does a reverse mortgage affect my heirs in Virginia?
Heirs can repay the loan by selling the home or refinancing. If the loan balance exceeds the home value, heirs are not required to pay more than 95% of the appraised value under Virginia law. They have 12 months after the borrower dies to decide what to do.
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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 Virginia.