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Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in the mortgage banking industry. He has devoted the past 20 years to reverse mortgages exclusively. (License: NMLS# 14040) |
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All Reverse Mortgage's editing process includes rigorous fact-checking led by industry experts to ensure all content is accurate and current. This article has been reviewed, edited, and fact-checked by Cliff Auerswald, President and co-creator of ARLO™. (License: NMLS# 14041) |
Michael G. Branson, Author & CEO – All Reverse Mortgage, Inc.
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NMLS# 14040
Michael G. Branson – CEO, Reverse Mortgage Expert & Industry Innovator
Michael G. Branson is the CEO of All Reverse Mortgage, Inc. and moderator of ARLO™, the industry’s most advanced reverse mortgage calculator. With 45 years of experience in mortgage banking—20 of which have been exclusively focused on reverse mortgages—Michael has established himself as a trusted expert in retirement finance.
His career includes pioneering contributions, such as developing the first fixed-rate jumbo reverse mortgage in 2007, and being a key part of the General Electric Mortgage Insurance Corporation team that brought the first AAA-rated mortgage-backed securities to market in 1982.
📌 Media Mentions & Expert Contributions:
Michael has been featured in major financial publications, including:
✔️ Forbes
✔️ Kiplinger
✔️ HousingWire
✔️ Yahoo Finance
✔️ Realtor.com
✔️ NRMLA (National Reverse Mortgage Lenders Association)
His thought leadership and contributions have helped shape the reverse mortgage industry, ensuring transparency and consumer protections.
Career Milestones & Leadership in Mortgage Banking
Early Career & Mortgage Banking Foundations
Michael began his career as a loan originator in the late 1970s. By the time he was 18, he had already experienced the challenges of a volatile mortgage market when interest rates soared above 10% in California.
To adapt, he transitioned into loan servicing, a shift that provided him with firsthand experience handling borrower fraud cases and regulatory compliance. These early years laid the foundation for his deep understanding of mortgage underwriting, risk assessment, and consumer protections.
General Electric & Mortgage-Backed Securities Innovation
As Western Regional Underwriting Vice President at General Electric Mortgage Insurance Corporation (GEMIC), Michael helped implement and safeguard the first AAA-rated mortgage-backed securities.
With fraud and abuse rampant in early adjustable-rate mortgage programs, Michael played a crucial role in collaborating with the FBI as a government witness in fraud investigations. This background in regulatory compliance continues to shape his leadership approach today.
Combating Mortgage Fraud & Setting Industry Standards
During the late 80s and early 90s, fraud became a widespread issue in wholesale lending. As a senior leader at Plaza Funding, Michael developed the “Consequences of Fraud” disclosure form, which became an industry standard for broker agreements.
Initially met with resistance, this form later became widely adopted by mortgage insurers like MGIC, and remains a crucial tool in lender fraud prevention today.
Consumer Advocacy & Ethical Lending Practices
Michael has always emphasized transparency and education over sales tactics. He has personally advised thousands of borrowers—many of whom ultimately chose not to get a reverse mortgage after learning it wasn’t the right fit for them.
💡 His guiding principle: “I would rather you not get a reverse mortgage for the right reasons than get one for the wrong reasons.”
Unlike many in the industry, All Reverse Mortgage, Inc. has long emphasized that reverse mortgages are not for everyone. This consumer-first approach was a core part of the company’s philosophy long before national spokespersons for other lenders began promoting similar messages.
First-Hand Experience: A Reverse Mortgage for His Own Mother
Michael’s belief in reverse mortgages as a retirement tool isn’t just professional—it’s personal. His first reverse mortgage transaction was for his own mother, who used it to continue enjoying the active retirement lifestyle she loved—bowling, baseball games, and travel.
This experience reinforced the true purpose of reverse mortgages:
✅ Financial flexibility for retirees
✅ Aging in place with dignity
✅ Freedom from monthly mortgage payments
Michael maintains that reverse mortgages must be the right financial fit—not just a sales transaction.
Publications & Thought Leadership
Michael has been a leading voice in the reverse mortgage industry for 20+ years. His expertise has been featured in:
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NRMLA (National Reverse Mortgage Lenders Association)
He was instrumental in developing the first fixed-rate jumbo reverse mortgage (The Gold Reverse) in 2007/2008, an innovation that expanded home equity access for borrowers in high-value real estate markets.
Commitment to Trust, Compliance & Consumer Protections
As the CEO of All Reverse Mortgage, Inc., Michael has instilled a culture of integrity, ensuring that his company meets the highest industry standards, including:
🔹 HUD & FHA Compliance – All Reverse Mortgage, Inc. follows all federal guidelines to protect consumers.
🔹 NRMLA Membership – Ensuring ethical lending practices within the reverse mortgage sector.
🔹 Transparent Loan Disclosures – No hidden fees, no misleading sales tactics.
🔗 Additional Resources:
✔️ Reverse Mortgage Consumer Guide (HUD)
✔️ National Reverse Mortgage Lenders Association (NRMLA)
Contact Michael G. Branson
For media inquiries, industry insights, or direct consultation, contact:
📧 Email: mike@allreverse.com
🔗 LinkedIn: Michael G. Branson on LinkedIn
🌐 NRMLA Profile: NRMLA Industry Experts
