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Compare Reverse Mortgage Specialists in Dumfries, VA
Directory of reverse mortgage specialists in Dumfries, Virginia. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Dumfries, 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 8 reverse mortgage specialists in Dumfries, 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.
NVR Mortgage
3850 Fettler Park Dr #301, Dumfries, VA 22025
7032865483
Jolayne Craig - Atlantic Coast Mortgage
3850 Fettler Park Dr Suite 202, Dumfries, VA 22025
5406456935
Laura Triplett - Atlantic Coast Mortgage
3850 Fettler Park Dr Suite 202, Dumfries, VA 22025
5714211699
The Markita Woods Team, Mortgage Lender NMLS #196099
17739 Main St, Dumfries, VA 22026
7039292274
Chris Dudenhefer
3850 Fettler Park Dr Suite 202, Dumfries, VA 22025
5406567255
Jamila Burbano - Atlantic Coast Mortgage
3850 Fettler Park Dr Suite 202, Dumfries, VA 22025
5713664544
Nick Lewis - Atlantic Coast Mortgage
3850 Fettler Park Dr Suite 202, Dumfries, VA 22025
7032590822
Rachel Brown - Atlantic Coast Mortgage
3850 Fettler Park Dr Suite 202, Dumfries, VA 22025
5713664532
A reverse mortgage specialist in Dumfries Virginia helps homeowners aged 62 and older access home equity without monthly payments. Virginia law requires borrowers to complete HUD approved counseling before applying. Local specialists guide clients through the process including property eligibility and repayment terms.
What Does a Reverse Mortgage Specialist in Dumfries Cost?
Typical costs for a reverse mortgage in Virginia include an origination fee up to 2 percent of the home value capped at 6000 dollars, a mortgage insurance premium of 2 percent of the appraised value, and third party fees for appraisal title and recording ranging from 1000 to 3000 dollars. Total closing costs usually range from 5000 to 15000 dollars depending on the home value and lender. 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 Dumfries Virginia?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The property must be a primary residence and the homeowner must complete HUD approved counseling. Virginia law does not add extra age or income requirements beyond federal rules.
How does Virginia law affect reverse mortgage proceeds?
Virginia law does not tax reverse mortgage proceeds as income. Proceeds are considered loan advances not earnings. Borrowers must still pay property taxes and homeowners insurance to avoid default.
What happens to a reverse mortgage when the borrower dies in Virginia?
Heirs have 30 days after the lender notifies them to decide whether to pay off the loan or sell the home. Virginia law allows heirs to purchase the home for 95 percent of its appraised value. If the loan balance exceeds the home value heirs are not personally liable for the difference.
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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.