All Reverse Mortgage, Inc. (ARLO®)

Return of Non-FHA Reverse Mortgages are Here!

October 4, 2025     32 comments

If you're in the market for a loan that can convert your home equity into cash flow or a line of credit in retirement, chances are you have explored the option of a reverse mortgage. However, the reverse mortgage is not a one-size-fits-all solution.  Many people are unaware that there are several products to choose from, including both Federal Housing Administration (FHA) Home Equity Conversion Mortgages (HECM) and private loan options. Quick Takeaway: If your home is worth more than the FHA limit of $1,209,750 or you’re younger than 62, a Non-FHA reverse mortgage... Read Full Article

Dave Ramsey Offering Bad Advice on Reverse Mortgages

October 1, 2025     14 comments

Does Dave Ramsey know much about reverse mortgages?  Dave does a hit piece on reverse mortgages, pointing out some of the less popular aspects of the loan.  However, he is either OK with exaggerating the truth or reveals his ignorance about how reverse mortgages work. Is Dave right about Reverse Mortgages? Firstly, let’s give Dave his due when he tells the truth.  He is right when he says a reverse mortgage operates in reverse of a standard or forward loan. Instead of a... Read Full Article

How Government Shutdowns Affect Reverse Mortgages

September 29, 2025     2 comments

FHA & HECM Operations During a Federal Government Shutdown When the U.S. government shuts down because Congress hasn’t approved funding, many HUD and FHA offices run with limited staff and services.  For the Home Equity Conversion Mortgage (HECM) program, here’s what matters: What Stays Open Loan Servicing & Payments — If you already have a HECM, your monthly draws and scheduled payments from HUD-held loans will continue. Payoff Requests — You or your heirs can still request payoff statements or subordinations for Secretary-held HECM liens, though processing may take longer.... Read Full Article

Reverse Mortgage Age Requirements: How Old to Qualify in 2025

September 27, 2025     20 comments

If you’re exploring a reverse mortgage, the first question is simple: how old do you need to be? Quick Answer:  For a federally insured Home Equity Conversion Mortgage (HECM), the most common reverse mortgage, you must be at least 62 years old when the loan closes.  That rule remains unchanged for 2025. Some private or "jumbo" reverse mortgages allow borrowers as young as 55, but these are not FHA-insured.  Knowing where you fit helps you choose the right program and see how much equity you might unlock. Minimum Age... Read Full Article

Reverse Mortgage Property Requirements – New for 2025

September 26, 2025     128 comments

I would like to know the exact reverse mortgage property requirements, such as central heating, water wells, septic systems, etc.  To hear these reverse mortgages advertised, one might get the impression that getting one is very simple.  However, after some preliminary inquiries, it's beginning to look like everything else involving the government can become incredibly complicated. Updated September 2025 with the latest HUD 4000.1 rules on ADUs, manufactured homes, and PACE liens Understanding HUD’s Property Standards When applying for a reverse mortgage, your home must meet specific property standards... Read Full Article

Reverse Mortgage Pros and Cons – Compare Costs, Risks & Benefits in 2025

September 20, 2025     15 comments

A reverse mortgage, also known as a Home Equity Conversion Mortgage (HECM), allows homeowners aged 62 and older to convert their home equity into cash without making monthly mortgage payments.  It can be a powerful way to stay in your home and improve retirement security, but it’s not the right fit for everyone.  This guide breaks down the real pros and cons of reverse mortgages in simple terms so you can decide whether this loan works for your long-term retirement plans. Is a Reverse Mortgage a Good Idea? Good fit:... Read Full Article

Shocking Truth About Condominiums and Reverse Mortgages

September 16, 2025     82 comments

Many senior borrowers eligible for reverse mortgages or about to become qualified and live in condominium projects have yet to learn of the surprises that may be waiting for them.  You may know neighbors who live in your project, currently have reverse mortgage financing, and have heard about how easy it was. Unfortunately, changes in condominiums and HUD programs in the past few years have changed much of this.  If you live in a condominium, before you start making plans that include a reverse mortgage, you should know about the... Read Full Article

5 Options When You Don’t Qualify for a Reverse Mortgage (2025 Guide)

September 15, 2025     2 comments

If you've applied for a reverse mortgage and found that you don't qualify—or the amount offered isn't enough to pay off your existing mortgage—you're not alone.  Many homeowners are surprised when changing interest rates or updated HUD limits reduce the proceeds they're eligible for. The good news?  Even if you don't qualify today, you still have options.  In this guide, we'll explore five strategies that can help you move forward. Why You Might Not Qualify for a Reverse Mortgage Several factors determine how much money you receive from a... Read Full Article

How Reverse Mortgages Work – Explained in Simple Terms!

September 9, 2025     24 comments

For over 20 years, All Reverse Mortgage, Inc. has helped thousands of homeowners achieve financial freedom through federally insured reverse mortgages. As a HUD-approved lender that specializes exclusively in reverse mortgages, we bring unmatched expertise to this space.  That’s why this 2025 guide doesn’t just cover the basics, it gives you the complete picture: how reverse mortgages work, what they cost, your payout options, and what they mean for your heirs. What Is a Reverse Mortgage? A reverse mortgage is a loan exclusively for homeowners age 62 or older. ... Read Full Article

Debunking the Top 10 Reverse Mortgage Downsides

September 9, 2025     17 comments

Reverse mortgages have long been surrounded by misconceptions, leading many to believe they come with significant downsides.  In reality, many of these concerns are based on myths.  In this guide, we will debunk the top 10 common claims about the downsides of reverse mortgages, providing you with the clarity you need. Whether you're exploring reverse mortgage options for yourself or assisting a loved one, understanding the facts behind these so-called 'downsides' will help you make a confident and informed decision. Claim #1: Reverse Mortgages Have Growing Interest and... Read Full Article