Eugene Reverse Mortgage Lenders

At All Reverse Mortgage, Inc. (ARLO™), we’re proud to be Oregon’s #1 Rated Reverse Mortgage Lender, celebrating 20 years of dedicated service. Our A+ rating from the Better Business Bureau and perfect 5-star reviews reflect our unwavering commitment to providing you with the best terms and exceptional customer care.

Since 2004, our mission has been simple: to help Oregon homeowners make the most of their home’s equity with peace of mind. As a HUD-approved lender, we offer a comprehensive range of HECM and jumbo reverse mortgages tailored to meet your specific needs.

With our competitive rates and lower costs, you can retain more of your home’s equity. We’re here to show you the difference our experience can make, and we look forward to guiding you every step of the way!

All Reverse Mortgage is licensed by the Division of Finance and Corporate Securities (DFCF) (License/Registration #ML-5006)

Eugene Reverse Mortgage Facts (2026 Update)

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Lenders in Eugene (est) Avg. Home Value
Eugene 14,900 39 9 $456,327

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

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), the federally insured reverse mortgage program.

As a HUD-approved direct lender, we manage the process from application through closing, allowing for clear communication, accurate figures, and consistent guidance.

Local Reverse Mortgage Help in Eugene

All Reverse Mortgage of Eugene works with homeowners who want to:

  • Pay off an existing mortgage and eliminate required monthly payments

  • Access home equity while continuing to live in their home

  • Refinance an existing reverse mortgage

  • Evaluate whether a reverse mortgage fits into a long-term retirement plan

Each situation is reviewed individually, with a focus on long-term stability rather than short-term borrowing.

About All Reverse Mortgage of Eugene

All Reverse Mortgage, Inc. has specialized exclusively in reverse mortgages for more than 20 years.

Our owners and management were part of the group that introduced the first fixed-rate jumbo reverse mortgage in 2008, giving us experience across:

  • HUD-insured HECM loans

  • Proprietary jumbo reverse mortgage programs

  • Retirement-focused equity planning

That experience is especially important in established communities like Eugene, where many homeowners are equity-rich and planning carefully for retirement.

Clear Guidance Without Pressure

A reverse mortgage is a serious financial decision and not the right solution for everyone.

Our licensed originators walk through:

  • How much equity may realistically be available

  • The differences between HECM and jumbo options

  • Ongoing homeowner responsibilities

  • Long-term considerations for heirs

You receive clear explanations and real numbers before deciding how to proceed.

Eugene Reverse Mortgage Lending Limits (2026)

Based on this 2026 update, Eugene has an estimated 14,900 homeowners aged 62 and older, with 39 FHA-insured reverse mortgages closed during the most recent 12-month reporting period.

The average home value used for this update is $456,327, which means:

  • Most homes are well within the 2026 federal HECM lending limit of $1,249,125

  • HUD-insured reverse mortgages remain accessible to many qualified homeowners

  • Jumbo reverse mortgage options are available for higher-value properties

About Eugene

Eugene is Oregon’s second-largest city and a long-established center for education, innovation, and culture. Home to the University of Oregon and known as the birthplace of Nike, Eugene has a strong base of long-term homeowners. Reverse mortgages here are often used to eliminate monthly mortgage payments or provide added financial flexibility during retirement.

Ready to Unlock Your Home’s Equity?

As Eugene’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 Oregon Division of Financial Regulation (License #ML-4917), we’re committed to helping you secure the retirement you deserve.

Get Your Free Quote from Eugene’s #1 Rated Reverse Mortgage Lender, or call (541) 588-6869 to speak with a friendly expert today.