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Compare Reverse Mortgage Specialists in St Albans, WV
Browse reverse mortgage specialists serving St Albans, West Virginia. Contact information and addresses listed below.
2 agents listed
Updated May 2026
St Albans, WV
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 West Virginia before hiring.
Showing 2 reverse mortgage specialists in St Albans, WV
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Edward Jones - Financial Advisor: James W Utterback, AAMS®
601 6th Ave STE 101, St Albans, WV 25177
3047278600
Edward Jones - Financial Advisor: Michael D Fruth
601 6th Ave Suite 101, St Albans, WV 25177
3047278600
A reverse mortgage specialist in St Albans, West Virginia can help homeowners aged 62 and older convert home equity into cash. West Virginia law requires borrowers to complete a counseling session with a HUD-approved counselor before applying. Local specialists understand the Kanawha Valley housing market and can guide you through the process.
What Does a Reverse Mortgage Specialist in St Albans Cost?
Typical costs for a reverse mortgage in West Virginia 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 for appraisal, title search, and recording. For a home valued at 200,000 dollars, total closing costs often range from 8,000 to 12,000 dollars. These costs can be financed into the loan. 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 qualifications does a reverse mortgage specialist need in West Virginia?
Specialists must be licensed mortgage loan originators through the West Virginia Division of Financial Institutions. They should also have specific training on FHA-insured Home Equity Conversion Mortgages (HECMs).
Are there any West Virginia laws that affect reverse mortgages?
Yes, West Virginia requires a mandatory counseling session with a HUD-approved counselor. The state also has a 3-day right of rescission period after closing, during which you can cancel the loan without penalty.
How do I choose a reverse mortgage specialist in St Albans?
Look for a specialist with a valid West Virginia mortgage license and experience with HECM loans. Check their standing with the Better Business Bureau and ask for references from local clients.
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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 West Virginia.