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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) |
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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) |
Michael G. Branson Jr. — Vice President, All Reverse Mortgage Inc.
Michael G. Branson Jr. is Vice President of All Reverse Mortgage, Inc. and writes the Weekly ARLO Rates Brief. He has worked in mortgage banking since 1998, including as a HUD Direct Endorsement (DE) underwriter on reverse mortgages.
Michael G. Branson Jr.
Vice President, All Reverse Mortgage, Inc. | NMLS ID #14044 | Licensed Mortgage Loan Originator | Mortgage Banking Since 1998
Michael G. Branson Jr. is Vice President of All Reverse Mortgage, Inc., a licensed mortgage loan originator, and one of the company’s founding employees. With almost 30 years in mortgage banking, he has worked in underwriting, origination, compliance, quality control, and secondary marketing. He writes about how reverse mortgages work and what is driving rates, including the company’s Weekly ARLO Rates Brief. Not to be confused with his father, Michael G. Branson, the company’s founder and CEO.
Background
Michael grew up around the industry and started at a mortgage company at 16, entering underwriters’ loan conditions and learning how loans are evaluated by asking what each condition required and why. He worked his way up to become a HUD Direct Endorsement (DE) underwriter on reverse mortgages before moving into origination and management.
Building All Reverse Mortgage
As the company grew, Michael took on much of the work behind every loan, including compliance and quality control, along with the internal systems loan officers rely on for accurate numbers. More than a decade ago, he built a borrower-facing amortization tool that allows prospective borrowers to run hypothetical scenarios, such as rate increases or decreases, future draws, or voluntary payments, something most reverse mortgage software systems couldn’t do at the time. He has also built internal calculators for the company’s loan officers, including tools that project a HECM’s future balance month by month for HECM-to-HECM refinance evaluations.
Markets and the Weekly ARLO Rates Brief
Michael’s background in secondary marketing informs how he reads the market, including how capital markets shape reverse mortgage rates. The Weekly ARLO Rates Brief tracks index movements and explains what they mean for Expected Rates, Note Rates, and the amount of equity borrowers can access. He brings the same perspective to his daily conversations with borrowers and their families.
Credentials and Affiliations
All Reverse Mortgage, Inc. is a HUD-approved HECM lender operating under HUD Lender ID #26031-0007 and NMLS ID #13999. Michael’s individual NMLS ID is #14044. His state licenses can be verified through NMLS Consumer Access. Additional professional background is available on his LinkedIn profile.
Content Authored by Michael G. Branson Jr.
The articles, guides, and editions of the Weekly ARLO Rates Brief published under Michael’s name reflect his direct experience in underwriting, origination, secondary marketing, and loan mechanics. For media inquiries or direct consultation, contact Michael at michael@allreverse.com.
