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Find Reverse Mortgage Specialists in Manakin-Sabot, VA
Directory of reverse mortgage specialists in Manakin-Sabot, Virginia. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Manakin-Sabot, 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 2 reverse mortgage specialists in Manakin-Sabot, 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.
RatePro Mortgage
1903 Manakin Rd # A, Manakin-Sabot, VA 23103
8047844364
Jesse Gilbert - RatePro Mortgage
1903 Manakin Rd # A, Manakin-Sabot, VA 23103
8042132865
Reverse mortgage specialists in Manakin-Sot, Virginia help homeowners aged 62 and older access home equity without monthly payments. Virginia law requires borrowers to complete HUD-approved counseling before applying for a Home Equity Conversion Mortgage (HECM). Local specialists can guide you through the process, including property tax deferral options available in Goochland County.
What Does a Reverse Mortgage Specialist in Manakin-Sabot Cost?
Typical costs for a reverse mortgage in Virginia include an origination fee up to 2% of the home value, a mortgage insurance premium of 2% of the appraised value, and third-party fees such as appraisal and title search. For a home valued at 300,000 dollars, total closing costs often range from 8,000 to 15,000 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 Manakin-Sot Virginia?
Borrowers must be at least 62 years old. In Virginia, if a married spouse is under 62, they may still be protected under HUD rules if the loan is taken in the older spouse name.
Do I need to own my home free and clear to qualify for a reverse mortgage in Manakin-Sot?
No, you can have an existing mortgage. The reverse mortgage proceeds must first pay off any current mortgage or liens. Virginia law does not require full home equity, but you must have enough equity to cover closing costs.
What counseling is required before getting a reverse mortgage in Virginia?
Virginia law mandates that all borrowers complete a counseling session with a HUD-approved counselor. This session explains loan terms, costs, and alternatives. The counselor must be independent from the lender.
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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.