All Reverse Mortgage, Inc. (ARLO®)

How Reverse Mortgages Work – Explained in Simple Terms!

September 9, 2025     22 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 special type of loan for homeowners age... 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

Reverse Mortgage Pros and Cons: Understanding Benefits & Risks in 2025

September 9, 2025     15 comments

Welcome to our comprehensive guide on the pros and cons of reverse mortgages. When used correctly, a reverse mortgage, also known as a Home Equity Conversion Mortgage (HECM), can add stability to your retirement years. However, as with any financial product, reverse mortgages are not always the best program for everyone. This guide will help homeowners evaluate financial options, understand potential risks and benefits, and make informed decisions about reverse mortgages. Introduction to the Downsides Before exploring the benefits, it's important to understand the potential drawbacks of reverse mortgages.... Read Full Article

Reverse Mortgage Definition and Glossary (A-Z)

September 1, 2025     75 comments

Reverse Mortgage (Definition) A reverse mortgage is a home loan for borrowers typically aged 62 and older that allows you to convert a portion of your home equity into tax-free cash without required monthly mortgage payments. You retain title and are responsible for continuing to pay property taxes and homeowner's insurance. Interest accrues and is added to your balance and can be repaid at any time. Most borrowers repay the loan when they sell their property, move out, or pass away. HECM reverse mortgages are insured by the Federal... Read Full Article

Top 10 Reverse Mortgage Counseling Agencies (Free & Online Availability)

September 1, 2025     17 comments

The U.S. Department of Housing and Urban Development (HUD) requires that homeowners considering a Home Equity Conversion Mortgage (HECM) receive essential counseling.  This counseling, provided by a HUD-approved HECM agency, covers the details and alternatives of reverse mortgages. To assist you, we are required to offer a list of approved reverse mortgage counseling agencies.  This list includes five nationwide companies as specified by HUD for HECM, alongside local agencies near you.  The number of nearby agencies varies; some borrowers may have several options, while others might need to travel further... Read Full Article

Reverse Mortgage Occupancy Requirements Explained

September 1, 2025     72 comments

We live with my mother-in-law and were present throughout the process of her getting a reverse mortgage.  The broker is fully aware that we live there with her, help keep up the property, and pay living expenses.  He told us if she ever needed to go to a nursing home, if she was in the home at least once a month, they would not recall the loan.  What I am reading here seems contradictory to what we were told.  We were also told about having 12 months to sell or... Read Full Article

Reverse Mortgage Income Requirements in 2025

September 1, 2025     46 comments

Understanding Reverse Mortgage Income Requirements Welcome to our 2025 guide on reverse mortgage income requirements. This article explains the financial assessment underwriting guidelines, specifically the minimum residual income requirements established by HUD. These requirements play a crucial role in the lender’s application process, ensuring that you, as a borrower, can comfortably manage ongoing property-related expenses, such as property taxes, homeowners insurance, and maintenance costs, after securing a reverse mortgage. We will provide clear, easy-to-follow tables that detail the minimum residual income needed based on your family size and the region of the... Read Full Article

History of the Reverse Mortgage – 1969 to Present Day Facts

September 1, 2025     4 comments

Bringing it to the Senate Reverse mortgages have been through many changes in their short, 57-year (depending on who you ask) lifespan.  As the story goes, a small, local bank wrote the first reverse mortgage in 1961 to a woman in Portland, Maine.  The bank owner wanted to help the wife of his high school football coach stay in her home after her husband passed away. From there, the product took off and continues to help more older Americans remain in their homes... Read Full Article

3 Types of Reverse Mortgages Explained: Which One Is Right for You?

September 1, 2025     5 comments

If you're exploring ways to use your home's equity to improve your financial security in retirement, it's helpful to know that there are three main types of reverse mortgages—each designed for different needs. In this article, we'll explain: Home Equity Conversion Mortgages (HECM): The most popular, federally insured option. Proprietary Reverse Mortgages: Also known as "jumbo" reverse mortgages, these are ideal for homes with higher values. Single-Purpose Reverse Mortgages: A cost-effective choice for specific financial goals. We'll break down the key features of each, highlight how they can support your... Read Full Article

Reverse Mortgage Property Requirements (Updated 2025)

September 1, 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 where the government is involved – it can become incredibly complicated. When applying for a reverse mortgage, your home must meet specific property standards set by HUD.  These requirements ensure the property is safe, sound, and secure—but they can... Read Full Article