Reverse Mortgage Specialists in Atwater

Finding the right HECM specialist in Atwater requires comparing both national brands and localized experts. Our directory uniquely organizes these professionals by exact distance and community feedback to help you decide. Comparing local proximity alongside customer reviews is the best way to secure your financial future.

We may receive compensation from some lenders featured on this page. This does not influence our rankings, which are based on independent research, product availability, and borrower fit.

Recommended Partners

Top Reverse Mortgage Lenders Serving Atwater

BEST FOR LOCAL SUPPORT
Fairway Independent Mortgage
NMLS#2289
Editor's Rating
4.9
Reverse Mortgages
Best For
Personalized Support
Availability
National

Our Take on Fairway

Fairway is best suited for borrowers who want a guided, advisor-led experience rather than navigating a fully digital process. Compared to specialized reverse mortgage lenders, Fairway leans more traditional, which can be beneficial for first-time borrowers but may limit flexibility for higher-value or more complex scenarios.

What we like

  • Strong retail network with local advisors
  • Standard HECM options (fixed + adjustable)
  • In-house reverse mortgage specialists
  • Best for borrowers who want a guided, advisor-driven experience rather than a fully digital process.

What we don't like

  • Jumbo reverse options have strict minimums.
  • Mobile app experience can be lacking.
BEST FOR JUMBO REVERSE MORTGAGES
Longbridge Financial
NMLS#957935
Editor's Rating
4.6
Reverse Mortgages
Best For
High-Value Homes
Availability
National
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MOST TRUSTED BRAND
Mutual of Omaha Mortgage
NMLS#1025894
Editor's Rating
4.4
Reverse Mortgages
Best For
Trusted Brand
Availability
National
BEST FOR FLEXIBILITY
Finance of America Reverse
NMLS#2285
Editor's Rating
4.2
Reverse Mortgages
Best For
Flexible Options
Availability
National

Reverse Mortgage Brokers in Atwater

JGO Mortgage Inc - Juan Ochoa

Independent Broker

4.8(18)

Status: Operational

Atwater, CA
(209) 609-7467
USDA LoanConventional LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property Loan

Nearby Lenders to Atwater64 Providers

Stephanie Montoya | Loan Officer Outside Sales | Primary Residential Mortgage, Inc.

Independent Broker

No Reviews

Status: Operational

Merced, CA
(209) 725-9405
RefinanceReverse MortgageVA Loan

Primary Residential Mortgage, Inc.

Independent Broker

4.1(9)

Status: Operational

Merced, CA
(209) 725-9405
RefinanceReverse MortgageVA Loan

Casey Docherty | Loan Officer Outside Sales | Primary Residential Mortgage, Inc.

Independent Broker

No Reviews

Status: Operational

Merced, CA
(209) 425-5600
RefinanceReverse MortgageVA Loan

Edward Walters | Branch Manager | Primary Residential Mortgage, Inc.

Independent Broker

No Reviews

Status: Operational

Merced, CA
(209) 425-5600
RefinanceReverse MortgageVA Loan

Don’t Apply for a Reverse Mortgage Until You Read This

A Free Reverse Mortgage Guide for Homeowners 62+

Most homeowners don’t fully understand reverse mortgage costs, eligibility, and payout options. This quick guide shows you exactly what to expect before you move forward.

Download the Free Guide

Built specifically for homeowners age 62 and older

AJ Vasquez - Home Loans - NMLS# 1654160

Independent Broker

5(6)

Status: Operational

Merced, CA
(209) 777-6955
USDA LoanConventional LoanReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Nick Maravilla - Loan Officer NMLS#2571013

Independent Broker

5(3)

Status: Operational

Merced, CA
(209) 658-6307
USDA LoanConventional LoanHELOC / Home EquityReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

LeaderOne Financial Corporation

Independent Broker

5(19)

Status: Operational

Merced, CA
(209) 580-4464
USDA LoanConventional LoanReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Supreme Lending

Independent Broker

5(1)

Status: Operational

Merced, CA
(209) 600-7096
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Justin Collins - Loan Officer NMLS# 305729

Independent Broker

5(6)

Status: Operational

Merced, CA
(209) 761-2542
RefinanceVA Loan

Jeanette Garibay - Loan Officer NMLS#1085541

Independent Broker

No Reviews

Status: Operational

Merced, CA
(209) 600-3773
RefinanceVA Loan

Chris Salazar - Loan Officer NMLS#2234775

Independent Broker

5(4)

Status: Operational

Merced, CA
(209) 628-0378
RefinanceVA Loan

American Financial Network

Independent Broker

5(3)

Status: Operational

Merced, CA
(209) 769-5300
FHA LoanReverse MortgageConventional LoanVA Loan

Tristan Silva | NEXA Mortgage

Independent Broker

5(25)

Status: Operational

Turlock, CA
(209) 262-8370
USDA LoanConventional LoanRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Tamara Pulido, Mortgage Loans NMLS #1655776

Independent Broker

5(184)

Status: Operational

Turlock, CA
(209) 204-3795
USDA LoanConventional LoanHELOC / Home EquityRefinanceFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Jesse Santana at Rate (NMLS #256630)

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 216-1719
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Melissa Hurtado at Rate (NMLS #2142850)

Independent Broker

5(6)

Ready to help with your HECM goals.

Turlock, CA
(209) 206-9780
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Nina Rincon at Rate (NMLS #1756415)

Independent Broker

5(7)

Status: Operational

Turlock, CA
(209) 206-9788
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Supreme Lending

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 262-3303
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Ruby Oliveira at CrossCountry Mortgage

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 620-2752
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

CrossCountry Mortgage, LLC

Independent Broker

3.7(3)

Status: Operational

Turlock, CA
(209) 595-9859
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Guild Mortgage Co

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(858) 560-6330
USDA LoanConventional LoanHELOC / Home EquityRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Ability Ambeck Mortgage

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 632-9904

Albino Orozco | NEXA Lending

Independent Broker

5(55)

Status: Operational

Turlock, CA
(209) 485-9811
USDA LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Maritza Bland at Rate (NMLS #187344)

Independent Broker

5(2)

Status: Operational

Turlock, CA
(209) 888-1428
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Rate

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 888-1418
USDA LoanHELOC / Home EquityConventional LoanRefinanceFHA LoanVA LoanJumbo LoanInvestment Property Loan

Envoy Mortgage

Independent Broker

5(102)

Status: Operational

Turlock, CA
(209) 535-7582
RefinanceReverse MortgageVA Loan

Shelly Perez at Rate (NMLS #765150)

Independent Broker

5(4)

Status: Operational

Turlock, CA
(209) 888-1447
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Andrew Narsi at Rate (NMLS #1172167)

Independent Broker

5(120)

Status: Operational

Turlock, CA
(209) 888-1418
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Wendy Kaiser at Rate (NMLS #241191)

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 585-0147
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

NEXA Mortgage, Fred Isaac NMLS #1885717

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 985-4788
USDA LoanConventional LoanRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Celena Villarreal

Independent Broker

5(6)

Status: Operational

Ceres, CA
(209) 602-8030
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Ed Parcaut - Mortgage Broker - Lending For Living

Independent Broker

5(79)

Status: Operational

Modesto, CA
(209) 528-0509

First Capital Mortgage Inc.

Independent Broker

4.5(4)

Status: Operational

Modesto, CA
(209) 522-7100
USDA LoanRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Jesse Santana Home Loans

Independent Broker

5(69)

Status: Operational

Modesto, CA
(209) 505-1821
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

West Coast Mortgage Group

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 527-9957
USDA LoanConventional LoanRefinanceCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Next Gen Home Loans

Independent Broker

5(447)

Status: Operational

Modesto, CA
(800) 544-8538
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Erin Facha | Fairway Independent Mortgage Corporation Loan Officer

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 988-4590
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Modern Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 202-4236
USDA LoanConventional LoanRefinanceFHA LoanVA LoanJumbo LoanInvestment Property Loan

Gabe Duarte - Modern Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 818-2156
USDA LoanConventional LoanHELOC / Home EquityRefinanceCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Alexis Andrade, Real Estate Services

Independent Broker

5(8)

Status: Operational

Modesto, CA
(209) 560-6040
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanInvestment Property Loan

Brent Severns - Mortgage Consultant - Sierra Pacific Mortgage

Independent Broker

5(2)

Status: Operational

Modesto, CA
(209) 204-5213
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Franklin Loan Center | Erick Winchester

Independent Broker

5(3)

Status: Operational

Modesto, CA
(209) 345-3433
Conventional LoanHELOC / Home EquityReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Savannah with Ambeck Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 613-0461
RefinanceInvestment Property LoanVA Loan

Ability Ambeck Mortgage

Independent Broker

4.8(24)

Status: Operational

Modesto, CA
(209) 521-4480

Cindi Marshall - Loan Officer @ Ability Ambeck Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 247-0124
Conventional LoanRefinanceFHA LoanVA Loan

Sara Willis - Ability Ambeck Mortgage

Independent Broker

4(4)

Status: Operational

Modesto, CA
(209) 456-2770
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo Loan

Jordi Peraza, Finance of America Mortgage LLC

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 340-1204
Reverse Mortgage

Amalia Lau, Finance of America Mortgage LLC

Independent Broker

5(4)

Status: Operational

Modesto, CA
(209) 340-1237
Reverse Mortgage

Brenda Olson, Finance of America Mortgage LLC

Independent Broker

5(2)

Status: Operational

Modesto, CA
(209) 340-1213
Reverse Mortgage

Carrollton Mortgage Co

Independent Broker

5(14)

Status: Operational

Modesto, CA
(209) 526-6200
Reverse MortgageHELOC / Home EquityInvestment Property LoanRefinance

Cornerstone Mortgage

Independent Broker

5(2)

Status: Operational

Modesto, CA
(209) 578-9000
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo Loan

Stearns Lending Inc

Independent Broker

No Reviews

Status: Operational

Oakdale, CA
(209) 524-7436
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo Loan

Primary Residential Mortgage, Inc.

Independent Broker

5(5)

Status: Operational

Oakdale, CA
(209) 480-3303
RefinanceReverse MortgageVA Loan

Ability Ambeck Mortgage #1850: Michelle Thomasser #235154

Independent Broker

5(1)

Status: Operational

Oakdale, CA
(209) 914-6166
Conventional LoanHELOC / Home EquityFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Movement Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(877) 314-1499
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Primary Residential Mortgage, Inc. - Oro Valley

Independent Broker

4.8(18)

Status: Operational

Modesto, CA
(209) 543-3505
RefinanceReverse MortgageVA Loan

Tri Valley Lending

Independent Broker

3(2)

Status: Operational

Ripon, CA
(209) 599-6692
Reverse MortgageHELOC / Home Equity

Ability Ambeck Mortgage

Independent Broker

5(104)

Status: Operational

Ripon, CA
(209) 599-8550

Elite Financial

Independent Broker

5(1)

Status: Operational

Manteca, CA
(209) 679-9966
FHA LoanReverse MortgageConventional LoanJumbo Loan

Miroslava Ramirez - CrossCountry Mortgage

Independent Broker

4.9(13)

Status: Operational

Manteca, CA
(909) 532-1846
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

American Financial

Independent Broker

3.7(3)

Status: Operational

Coarsegold, CA
(800) 519-7305
FHA LoanRefinance

Angelina Curtin - Branch Manager - Land Home Financial

Independent Broker

4.9(39)

Status: Operational

Sonora, CA
(209) 732-0822
FHA LoanReverse MortgageConventional LoanConstruction / Rehab Loan

Land Home Financial Services

Independent Broker

5(1)

Status: Operational

Sonora, CA
(209) 732-0822
FHA LoanReverse MortgageConventional LoanConstruction / Rehab Loan

Tammy Hammond, Mortgage Broker NMLS #405556

Independent Broker

5(14)

Status: Operational

Sonora, CA
(209) 768-6171
USDA LoanConventional LoanCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property Loan

Local Area Summary

Active Coverage

Atwater has 65 reverse mortgage providers actively serving the radius.

Nearest Specialist

The closest highly-rated lender is JGO Mortgage Inc - Juan Ochoa, located in Atwater just 5.3 miles away.

Community Trust

These local professionals maintain a combined 1446 verified reviews with a strong 3.3 average rating.

Don’t Apply for a Reverse Mortgage Until You Read This

A Free Reverse Mortgage Guide for Homeowners 62+

Most homeowners don’t fully understand reverse mortgage costs, eligibility, and payout options. This quick guide shows you exactly what to expect before you move forward.

Download the Free Guide

Built specifically for homeowners age 62 and older

Verified Google Reviews

To ensure transparency in your neighborhood, the star ratings and review counts featured for our independent local brokers are sourced directly from continuous live Google Maps data.