In 2024, there were 187 active reverse mortgage loans in Humboldt County, California. The average home value in Humboldt County is $445,626.37.

Click here to get a reverse Mortgage Quote in Humboldt County, California

To avoid scams, make sure you are working with a licensed lender in California. South River Mortgage is a fully licensed lender in California. The CA state regulator requires mortgage lenders to be explicitly approved to make loans and hold a license. South River Mortgage proudly holds the California Financing Law License in CA, and our state license identifier is 60DBO-103862.  We also maintain active approval with HUD/FHA.

Reverse Mortgage Loans in Humboldt County

Humboldt County is located in California, known for its lush redwood forests, stunning coastlines, and vibrant arts and culture scene. With a population of approximately 136,000 residents, the county enjoys a mild coastal climate, making it an appealing destination for nature enthusiasts and outdoor adventurers. Humboldt County has a rich history, with the region once inhabited by several Native American tribes before being settled by European explorers in the 19th century. The average home value in Humboldt County is $445,626.369, with property taxes averaging $2,378.202674 and an average interest rate of 0.04204491979. For seniors looking to tap into their home equity, a reverse mortgage can be a valuable financial tool. By leveraging the equity in their homes, seniors in Humboldt County can access additional funds to support their retirement, cover healthcare expenses, or enhance their quality of life. With the county’s picturesque landscapes and welcoming communities, Humboldt County provides an ideal backdrop for seniors looking to enjoy their golden years to the fullest.

Reverse Mortgage Loan Origination in Humboldt County

Reverse Mortgage Home Values in Humboldt County

Reverse Mortgage Interest Rates Humboldt County

There are approximately 187 active reverse mortgage loans in Humboldt County. The average interest rate in Humboldt County is 7.18% for reverse mortgages. The average maximum claim amount (the lesser of the appraisal or lending limit), among reverse mortgage borrowers, in Humboldt County was $485,000.00 in 2024.

Click here to get a Reverse Mortgage Quote in Humboldt County, California »

Note that our loan origination data will not exactly match FHA’s HECM portfolio snapshot. This discrepancy occurs because FHA’s reports are limited to loans endorsed by FHA (i.e. HECMs only). We use a series of custom data criteria that make it possible to identify all reverse mortgages: HECMs, proprietary, and even single-purpose reverse mortgages.

Jumbo Reverse Mortgage in Humboldt County, CA

With the average home value of $485,000.00, you may be wondering about the opportunities for jumbo loans.

The FHA has increased the HECM lending limit to $1,209,750 for 2025. If your property is valued above the HECM lending limit, you may be eligible for additional proceeds through the HomeForLife jumbo reverse mortgage.

Reverse Mortgage Refinance (HECM to HECM) in Humboldt County

It might make sense to refinance your reverse mortgage. There are many situations where refinancing could be very beneficial to you:

• You want to get more cash out because your home value has increased substantially
• You want to pay less in interest by obtaining a lower interest rate
• You want to add a loved one to the reverse mortgage

As a bonus, South River Mortgage can sometimes provide multiple benefits at once, depending on the situation. There have been cases where we can help secure a lower interest rate and additional cash. In some cases, we have been able to do all three benefits: lower rate, more cash, and adding a son or daughter onto the mortgage.

South River Mortgage can help you refinance your reverse mortgage. Get a quote today »

Reverse for Purchase (HECM for Purchase) in Humboldt County

You can now purchase a home with a reverse mortgage in {county}, CA. The reverse for purchase lets homebuyers purchase the home and get a reverse mortgage in a single transaction. The requirements for a reverse for purchase are very similar to the traditional reverse mortgage program.

Purchasing a home with a reverse mortgage has many benefits:

• No monthly mortgage payment (although you’d still be responsible for property taxes and homeowner’s insurance)
• The home being purchased would meet HUD’s property requirements or minimum property standards (this helps keep the home safe for occupants)

Learn what your down payment would be using our Reverse for Purchase calculator. Or, get pre-approved today »