Palm Desert's #1 Reverse Mortgage*

Palm Desert Reverse Mortgages

At All Reverse Mortgage, Inc. (ARLO™), we take pride in being California’s #1 Rated Reverse Mortgage Lender. We have a perfect 5-star rating from the Better Business Bureau and an A+ Exemplary Rating. We’ve been serving communities across California and 15 additional states since 2004, all from our headquarters in Southern California.

We focus solely on reverse mortgages, so you can trust that we have the expertise you need. We’re dedicated to providing you with the best possible rates and the lowest costs, ensuring you get the most out of your home’s equity.

As a HUD-approved lender, we offer national HECM programs and provide non-FHA and Jumbo Reverse Mortgages for those with higher-value homes exceeding the national lending limit of $1,249,125.

We invite you to compare our reviews, rates, and closing costs with those of any other lender. We’re confident you’ll see the difference and are excited to help you make the most informed decision.

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

At All Reverse Mortgage, Inc. (ARLO™), we are proud to be approved by the U.S. Department of Housing and Urban Development (HUD) to offer the Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage. As a HUD-approved direct lender, we handle the entire process in-house, from application through closing.

We work with homeowners throughout Palm Desert, helping those who already own their homes refinance to eliminate monthly mortgage payments or responsibly access home equity for retirement needs. Whether your goal is to pay off an existing loan, improve monthly cash flow, or establish a growing line of credit, our role is to explain your options clearly and accurately.

About All Reverse Mortgage, Inc.

Reverse mortgages are all we do.

Our team brings more than 20 years of experience focused exclusively on reverse mortgage lending. In 2008, we were involved in introducing the first fixed-rate jumbo reverse mortgage, giving us long-standing experience with both FHA-insured HECM loans and proprietary jumbo programs.

That experience matters in markets like Palm Desert, where retirement-focused homeowners often prioritize cash flow, flexibility, and long-term planning over short-term leverage. We help homeowners understand how different reverse mortgage options work and which structure best supports their retirement goals.

Palm Desert Lending Limits (2026)

Located in the heart of the Coachella Valley, Palm Desert is widely known as a retirement destination and seasonal home base for homeowners seeking a warm, dry climate. As of 2024, the city has an estimated population of approximately 50,600 residents.

Palm Desert has one of the highest concentrations of older homeowners in California. Roughly one-third of residents are age 65 or older, with an estimated 14,000 homeowners aged 62 and older who may be eligible for a reverse mortgage.

For 2026, the national FHA lending limit for HECM reverse mortgages is $1,249,125. Based on current home values in Palm Desert:

• Most homes fall well below the federal HECM lending limit

• FHA-insured reverse mortgages are accessible to many qualified homeowners

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

A reverse mortgage may be a practical retirement planning tool when evaluated carefully and aligned with long-term housing and financial plans.