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Calculate Your Reverse Mortgage

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REVERSE MORTGAGE
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Let’s see how a reverse mortgage could work for you. Nearly 1 million homeowners nationwide currently have a reverse mortgage, and many use it simply to eliminate monthly payments and create long-term flexibility in retirement.

Your home’s value is key to unlocking your reverse mortgage funds. I’ll use it - along with your age and current rates - to estimate what you could receive. Don’t worry, this is just a starting point!

Great! It looks like your home value estimate is about

I used an online estimate for this value, but you’re in control - tweak it if it’s off! (A HUD-approved appraisal will confirm everything later.) Adding your mortgage balance helps me show you how much extra cash you could free up by eliminating that payment.

Please provide your estimated home value

If you presently have an existing mortgage balance, I'll need to know the amount we are going to pay off to get rid of that mortgage payment!
(Our calculations use estimated property values provided by Estated.com. An independent HUD-approved appraiser must complete an appraisal to finalize your loan)
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The minimum qualifying age for a reverse mortgage is 55

You qualify at 55 or older, and your age determines your loan amount. Include your spouse’s age (even if under 55) since we base proceeds on the youngest partner - it’s all about maximizing your benefits!
Your Age
Spouse Age
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Your Personalized Reverse Mortgage Summary

  • I’ll review your information and send you a clear breakdown of:
  • Estimated loan options under the 2026 limits
  • Current interest rates
  • Line of credit and payment choices
  • What fits best and what doesn’t
  • No pressure. No obligation
(used only to verify your request or answer questions if you ask)
We respect your privacy. You won’t be added to mailing lists or high-pressure sales calls.
secure and Private By using ARLO® Calculator and clicking on the "View ARLO Analysis Now" button above, you consent, acknowledge, and agree to the following: Our Terms of Use Agreement, Privacy Policy and to receive important notices and other communications. I consent to being contacted by All Reverse Mortgage® and its partners for marketing purposes at any phone number or email I provide, including through the use of automated technology and prerecorded messages. I represent that I am the regular user of the phone number I provided and provide consent on behalf of all users of that phone number. I also understand consent is not required for purchase and I may opt-out from receiving communications at any time.
Read full privacy policy
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2021 BBB Torch Award Finalist
Best Reverse Mortgage Lender
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Best Reverse Mortgage Website

Reverse Mortgage Quote

Michael G. Branson Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in mortgage banking, with the past 20 years devoted exclusively to reverse mortgages. A Forbes Real Estate Council member, he developed the industry's first fixed-rate jumbo reverse mortgage and has been featured in Forbes, Kiplinger, the LA Times, and Yahoo Finance. (License: NMLS# 14040)
Cliff Auerswald Cliff Auerswald, President of All Reverse Mortgage, Inc., and co-creator of ARLO™ — the industry's first real-time reverse mortgage pricing engine — has 27 years of experience in mortgage banking, with 20+ years focused exclusively on reverse mortgages. A recognized expert in reverse mortgage technology and consumer education, he has been featured in Kiplinger, Yahoo Finance, Realtor.com, and HousingWire. (License: NMLS# 14041)
February 6, 2026
By Michael G. Branson Michael G. Branson   Edited by Cliff Auerswald Cliff Auerswald
Author Michael Branson
About the Author, Michael G. Branson | Mike@allreverse.com
Michael G. Branson CEO, 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.
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©2026 All Reverse Mortgage, Inc. All Rights Reserved
About Us State Licensing NMLS #13999 HUD Lender #26031-0007 Privacy Policy

This material has not been reviewed, approved, or issued by HUD, FHA, or any government agency. All Reverse Mortgage, Inc. is an independent company and is not affiliated with, acting on behalf of, or endorsed by HUD/FHA or any government agency. This content is for educational purposes and is not tax advice. Reverse mortgage programs may not be available in all states.

*#1 Rated Reverse Mortgage Lender: Based on a comparative review of BBB ratings, complaint histories, accreditation status, customer review scores, and positive-review percentages for the top 20 HECM lenders by endorsement volume (RMInsight, October 1, 2025). BBB data verified December 10, 2025. View Full Advertising Disclosure