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Programs
HECM The standard FHA-insured reverse mortgage. HECM for Purchase Buy a new home with a reverse mortgage. Jumbo Reverse NEW Loan amounts up to $4M for high-value homes. HECM Refinance See if today's rates can work in your favor.
How It Works
How Does It Work? The process from application to funding, in plain English. Pros & Cons Real benefits, real tradeoffs, real numbers. Today's Rates Current HECM rates, margins, and MIP — updated daily. 2026 Lending Limits The 2026 FHA ceiling and how it affects your max loan. Eligibility Requirements Age, equity, property, credit, residency — all in one place. HUD Counseling Required pre-loan step — what it covers and how to find one.
Calculators
Reverse Mortgage Calculator Instant Powered by ARLO™ — live rates, ZIP-accurate closing costs, HECM & jumbo. No personal info required. Line of Credit Calculator Instant See your HECM credit line and how it grows over time. Refinance Calculator Instant Does refinancing your HECM pay off? Uses the 5× benefit rule. Purchase Calculator Estimate down payment and proceeds for a HECM for Purchase. Amortization Calculator Track loan balance and equity over time. Excel report included.
Resources
Ask ARLO™ Search 2,000+ answered questions. Instant answers, no form. ARLO™ Blog Market updates and rate commentary from CEO Michael G. Branson. Reader Q&A Real questions from homeowners, answered by our specialists.
Why All Reverse
HUD-approved direct lender · NMLS #13999
4.9/5 from 1,200+ reviews


Author Archives

Reverse Mortgages Are No Longer a “Last Resort”

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I've been told to wait on taking a reverse mortgage as a last resort.  Why? Let me start by saying that we are a reverse mortgage lender who will be the first to tell you that reverse mortgages are not for everyone.  But that's true of any financial product, and no loan is perfect for everyone. A reverse mortgage can...
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What is AARP’s Role in Reverse Mortgages?

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The American Association of Retired Persons (AARP) is a large, independent, nonprofit organization dedicated to helping people aged 50 and above achieve financial independence. While the organization, which serves 37 million older Americans and counting, doesn't offer reverse mortgage products directly, it does weigh in on them in some significant ways. Here's where AARP comes into play for retirees who...
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Why Higher Rates Can Make the Best Time for Reverse Mortgages

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Why would someone use a reverse mortgage while rates are up?! Due to inflation, interest rates have been climbing since early this year and borrowers receive less money on the loan at today’s rates than they did even a year ago.  However, it may still make sense for seniors to consider a reverse mortgage over moving, and here’s why.  Senior equity...
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Reverse Mortgage Servicing: Setting the Record Straight.

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[arlo_toc] Understanding Reverse Mortgage Servicing Reverse mortgage servicing is a vital yet often misunderstood part of the loan process. While borrowers focus on securing their loan, many don’t realize that servicing plays a long-term role in managing their reverse mortgage. A reverse mortgage moves through several stages: it starts with origination, proceeds to closing, and then enters the servicing phase—where...
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How a Reverse Mortgage Deed in Lieu of Foreclosure Works

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My mom procured a reverse mortgage when property values were high. She can no longer live alone in the home and has vacated it; we cannot sell it because the home has devalued in accordance with the failed economy. The family is attempting to process, through an attorney, a Deed in Lieu of Foreclosure, but the loan has been transferred...
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Reverse Mortgage Expected Rate is Key to the Principal Limit

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Many homeowners understand that when they qualify for a reverse mortgage, they're eligible for a loan amount that's a percentage of their home's value or the HUD Lending limit, whichever is lower.  This amount, commonly known as the 'Principal Limit,' is a key factor in reverse mortgages. Yet, the 'Expected Rate' is a lesser-known aspect that significantly impacts the available...
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2022 Reverse Mortgage Limits Raise to Record $970,800!

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BREAKING: 2023 Reverse Mortgage Limits Reach All-Time High $1,089,300! HUD just announced their high-cost limits for Alaska and Hawaii. Based on the fact that the Home Equity Conversion Mortgage (HECM) limits normally follow these States, we can safely guess that the HUD HECM limit for 2022 will also jump to $970,800 for all new applicants as of January 1,...
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Reverse Mortgage Manufactured Home Requirements (2026)

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If you're the owner of a manufactured home and you're wondering about your eligibility for a reverse mortgage, here's the short answer: you may be eligible.  Now for the longer answer. As with any prospective borrower, you must be 62 or older, legally own the home, be your primary residence, and be eligible for participation in Federal Housing Administration programs....
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Who’s Responsible for Property Taxes on a Reverse Mortgage

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Who pays property taxes and insurance on a reverse mortgage? Reverse mortgages offer financial relief for homeowners aged 62 and up, but they don’t erase all responsibilities.  A common question is: Who pays property taxes and insurance? The short answer: You, the homeowner—unless a Life Expectancy Set-Aside (LESA) steps in. Here’s what you need to know to stay on track....
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