Cape Coral's #1 Reverse Mortgage*
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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
Edited by 
Cliff Auerswald
Cape Coral Reverse Mortgages
At All Reverse Mortgage, Inc. (ARLO™), we are proud to be Florida’s #1 Rated Reverse Mortgage Lender, as recognized by the Better Business Bureau. We have a perfect 5-star rating and an A+ exemplary score. We’ve been serving Florida homeowners since 2004 and are dedicated to providing reverse mortgages that help you enjoy your retirement years with peace of mind.
We understand that you deserve the best possible rate with the lowest costs. That’s why we focus solely on reverse mortgages, ensuring you receive expert guidance every step of the way. As a HUD-approved direct lender, we offer both national HECM programs and specialized jumbo reverse mortgages for homeowners with higher-value properties in Cape Coral and the surrounding area.
We invite you to compare our customer reviews, lower rates, and closing costs with those of any other lender. We’re confident you’ll see the difference, and we look forward to helping you achieve your financial goals.
Cape Coral Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Active Lenders | Avg. Home Value |
|---|---|---|---|---|
| Cape Coral | 33,784 | 54 | 13 | $382,764 |
How this data was derived: Reverse mortgage counts reflect FHA-insured HECM loans endorsed over a rolling 12-month period (Dec 2024–Nov 2025) using HUD HECM Snapshot data. Active lenders represent unique FHA sponsor numbers with at least one endorsed loan during this period. Estimated homeowners age 62+ are based on U.S. Census ACS 5-year owner-occupied households age 65+ as a conservative proxy. Home values are sourced from Zillow’s Home Value Index (latest available).
HUD-Approved Direct Lender in Cape Coral
All Reverse Mortgage, Inc. (ARLO™) is approved by the Department of Housing and Urban Development (HUD) to originate, underwrite, and close HUD’s Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage. The HECM program allows eligible homeowners aged 62 and older to access a portion of their home equity without making monthly mortgage payments, as long as they continue to live in the home and meet basic property and tax obligations.
We serve homeowners throughout Cape Coral, Florida, and the surrounding Gulf Coast communities. We specialize exclusively in reverse mortgages, including refinancing existing loans and originating new HECMs. Whether your goal is to eliminate a monthly mortgage payment, improve retirement cash flow, or establish a standby line of credit, we focus on solutions designed for long-term financial stability.
About All Reverse Mortgage, Inc.
The leadership of All Reverse Mortgage, Inc. has more than 20 years of experience in the reverse mortgage industry and was involved in introducing the first fixed-rate jumbo reverse mortgage in 2008. That experience is especially valuable in Florida markets like Cape Coral, where many homeowners have built significant equity and are planning to age in place.
Our originators work only with reverse mortgages. We take the time to explain FHA-insured HECMs and proprietary reverse mortgage options in clear, plain language so you understand how each program works, including the benefits, limitations, and long-term considerations. When a traditional HECM is the right fit, we’ll say so. When another option makes more sense, we’ll explain why.
For many homeowners over 62, a reverse mortgage is no longer viewed as a last resort. Used responsibly, it can be a practical financial tool to reduce monthly expenses, improve cash flow, and support retirement planning while remaining in the home you value.
Cape Coral, Florida Reverse Mortgage Lending Limits (2026)
Cape Coral is a rapidly growing city on Florida’s Gulf Coast, known for its extensive canal system, waterfront neighborhoods, and appeal to retirees seeking an active lifestyle. The city has a strong base of long-term homeowners and continues to attract residents who plan to remain in their homes throughout retirement.
Based on current Census estimates, approximately 33,784 homeowner households in Cape Coral are headed by someone aged 62 or older, making reverse mortgages a relevant planning option for many local residents.
During the most recent 12-month period, 54 reverse mortgages were closed in Cape Coral, supported by 13 active lenders serving the local market. This reflects steady demand from homeowners using reverse mortgages as part of broader retirement and cash-flow planning.
As of late 2025, the average home value in Cape Coral is approximately $382,764. This places most homes well within the 2026 FHA HECM lending limit of $1,249,125, allowing many homeowners to qualify under the standard federally insured reverse mortgage program without needing a jumbo loan.
For homeowners with higher-value properties or more complex planning needs, proprietary or jumbo reverse mortgage options may also be available.
Ready to Unlock Your Home’s Equity?
As Cape Coral’s #1 Rated Reverse Mortgage Lender, All Reverse Mortgage, Inc. (ARLO™) is here to provide trusted guidance, real-time rates, and expert support to help you make informed decisions.
✔ No obligations. Just real-time rates and expert advice.
✔ Instant quote. No personal info required.
✔ Licensed experts. Get clear, honest answers.
As a fully licensed lender by the Florida Office of Financial Regulation (License #MLD874), we’re committed to helping you secure the retirement you deserve.
Get Your Reverse Mortgage Quote from Cape Coral’s #1 Rated Reverse Mortgage Lender* or call (239) 307-0035 to speak with a licensed expert.
