In 2024, there were 19 active reverse mortgage loans in Trinity County, California. The average home value in Trinity County is $469,464.11.

Click here to get a reverse Mortgage Quote in Trinity 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 Trinity County

Trinity County, located in northern California, is known for its picturesque landscapes, including vast forests, clear rivers, and stunning mountain views. While the population of Trinity County is relatively low, the area attracts outdoor enthusiasts and nature lovers seeking tranquility and natural beauty. The county has a rich history dating back to the Gold Rush era, with remnants of mining towns and historic sites scattered throughout the region. With an average home value of $469,464.11 and an average property tax of $2,153.23, Trinity County offers a more affordable option for homeowners looking to enjoy a peaceful countryside lifestyle. Additionally, the average interest rate of 4.12% makes homeownership more attainable for seniors looking to leverage their home equity through reverse mortgages. Seniors in Trinity County may benefit from reverse mortgages as a way to supplement their income in retirement while continuing to live in their homes.

Reverse Mortgage Loan Origination in Trinity County

Reverse Mortgage Home Values in Trinity County

Reverse Mortgage Interest Rates Trinity County

There are approximately 19 active reverse mortgage loans in Trinity County. The average interest rate in Trinity County is 7.27% for reverse mortgages. The average maximum claim amount (the lesser of the appraisal or lending limit), among reverse mortgage borrowers, in Trinity County was $248,333.33 in 2024.

Click here to get a Reverse Mortgage Quote in Trinity 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 Trinity County, CA

With the average home value of $248,333.33, 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 Trinity 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 Trinity 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 »