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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
Cliff AuerswaldWhy Our Reverse Mortgage Calculator Stands Out
Looking for a reverse mortgage estimate you can trust? The All Reverse Mortgage Calculator isn’t just about numbers—it’s an intelligent decision-support tool built specifically for homeowners looking to explore reverse mortgage options with accuracy.
With over 20 years of experience, we created ARLO™ to give you personalized guidance and real-time reverse mortgage results in just minutes—no personal info required.
Here’s what makes it different:
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✅ Step-by-step calculator walkthrough
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📈 Real-time reverse mortgage rates and APR
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🔍 Compare reverse mortgage options side-by-side
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📊 View amortization schedules and loan balance projections
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🏠 Tailored for HECM, jumbo, and proprietary reverse mortgages
Whether you’re exploring your options or ready to apply, this tool provides accurate, up-to-date estimates that help you make an informed choice.
How to Use Our Reverse Mortgage Calculator
1. Enter Your ZIP Code
This helps us determine lending limits and local closing costs based on your location.
2. Confirm Your Home’s Estimated Value
ARLO™ estimates your home value using local real estate sales data (you can update it if needed).
3. Provide Your Age and Mortgage Balance
Your available reverse mortgage loan must first pay off any existing mortgage balances.
Compare Your Reverse Mortgage Loan Options
ARLO™ Makes It Easy to Find the Right Fit for You
After you complete your 3-step quote, ARLO™ instantly shows you four personalized loan options—each tailored to your goals, property value, and qualifications.
Below are four examples of what ARLO might recommend, complete with screenshots walking you through each result:
1. Best Overall Payout
Want the maximum cash from your home? This rate option will give you access to more cash proceeds over the life of the loan than any other product option available. You will notice that there is a line of credit available after 12 months, which will allow you to receive the most money possible in the first 12 months. If your number one goal with the Reverse Mortgage is to get your hands on as much money as possible, this is the option for you.
2. Best Over Time
Grow Slower, Keep More Equity
Want to preserve more of your home’s equity while still having access to funds? This option focuses on lower interest accrual and slower balance growth, helping you retain more value in your home over the years.
ARLO™ walks you through the amortization schedule so you can clearly see how this choice compares to others in terms of long-term cost.
Best for: Homeowners prioritizing long-term equity and flexibility.
3. Lowest Closing Costs
Minimize Upfront Expenses
This option offers the lowest setup costs—ideal if you’re trying to keep upfront expenses as low as possible. Most fees can be financed into the loan, meaning you may have little or no out-of-pocket costs.
Best for: Homeowners who want to start their reverse mortgage with minimal cash needed upfront.
4. Fixed Rate Option
Simple, One-Time Payout With a Locked Rate
Want a single lump-sum payment and a fixed interest rate that never changes? This option offers stability and simplicity. Just keep in mind that fixed-rate loans do not offer a line of credit and may result in lower total proceeds compared to adjustable-rate options.
Best for: Homeowners who want predictability and don’t need ongoing access to funds.
Tip: You can compare these options side-by-side, view projected loan balances over time, and adjust your inputs to see how age, home value, or rate changes may impact your results—all directly inside ARLO™
Tips to Maximize Your Loan Amount
Want to unlock your full potential loan amount? These quick tips can help:
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Include a younger spouse’s age.
Even if they’re not on the loan, it can improve eligibility and protect your home later. -
Wait for a birthday bump.
If you’re within 6 months of your next birthday, waiting might increase your loan proceeds. -
Include all existing mortgage balances.
This ensures your quote reflects what you’ll actually walk away with.
Why Our Reverse Mortgage Calculator Stands Out in 2025
| Feature | All Reverse Mortgage (ARLO™) | Other Calculators |
|---|---|---|
| Daily Rate & APR Updates | ✅ Yes | ❌ No |
| Closing Cost Estimates | ✅ Includes all local appraisal and title fees | ❌ Rarely itemized or location-specific |
| Amortization Schedules | ✅ Full loan balance projections | ❌ Usually not included |
| AI-Powered Loan Insights | ✅ Custom to You | ❌ Generic |
| HECM & Jumbo Program Results | ✅ Shows all qualifying loan types | ❌ May only show HECM or limited options |
Honest Reviews From Homeowners Like You
Searching for the best reverse mortgage calculator to understand the numbers, I discovered All Reverse Mortgage and noticed their rates were lower than the major lenders. Their prompt response and quick follow-up demonstrated their commitment to excellent customer service. -Peter H. (BBB)
Reverse Mortgage Calculator FAQs
How much can I get from a reverse mortgage?
Your loan amount is based on four main factors: your age, your home’s appraised value, current interest rates, and any existing mortgage balance. Our calculator uses HUD’s official formulas to estimate how much you may qualify for—instantly and accurately.
Do I need to provide personal contact information to use the calculator?
No. The light version of our calculator only requires your ZIP code, home value, and age. You’ll see a personalized quote right away—no phone number or email needed unless you choose to speak with a specialist for more details.
Why do interest rates affect how much I can borrow?
Reverse mortgage proceeds are tied to current interest rates. Lower rates allow you to access more equity, while higher rates reduce what’s available. That’s why our calculator updates daily—to reflect the most accurate loan estimate based on today’s market conditions.
How does the HECM line of credit grow over time?
If you choose a line of credit, any unused portion grows each month at your loan’s interest rate plus 0.5%. This feature can increase your available funds later in retirement, especially if you delay tapping into the credit.
Are reverse mortgage calculators accurate?
Only if they use real-time data. Our calculator updates daily with the latest HECM lending limits, current rates, and location-specific closing costs—making it one of the most accurate reverse mortgage calculators available online.
What makes this calculator better than others?
Unlike generic tools, ours is powered by ARLO™, the All Reverse Loan Optimizer. It compares HECM, jumbo, and proprietary loan programs side-by-side, using your details to generate personalized, easy-to-understand results—all backed by 20+ years of reverse mortgage experience.
Ready to find out how much you qualify for? Use our real-time reverse mortgage calculator now or call (800) 565-1722. All Reverse Mortgage, Inc. is America’s #1 rated reverse mortgage lender with 20+ years of experience and a 4.99/5 customer satisfaction rating.
Explore our full suite of tools designed to help you estimate payments, credit line growth, refinance opportunities, home purchase, and long-term loan projections.
Compare All Reverse Mortgage Calculators
| Calculator Type | What It Does | Key Features | Includes Rates/APR |
| All Reverse Calculator | Figures out payments, lump sums, and credit lines | AI-powered: Recommends the best loan for your goals | Yes |
| Free Quick Calculator | Estimates payments, lump sums, and credit lines | No personal info needed—just a fast estimate | No |
| Line of Credit Calculator | Shows HECM credit line and growth over time | Projects how your credit line grows | No |
| Refinance Calculator | Checks if refinancing your HECM pays off | Uses home value, rates, and 5x benefit rule | No |
| Purchase Calculator | Plans buying a home with a reverse mortgage | Estimates down payment and sale proceeds | Yes |
| Amortization Calculator | Tracks loan balance and equity over years | Downloadable Excel file for your records | Yes |
| Note: Explore our suite of 2025 reverse mortgage calculators designed to fit your needs. | |||
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