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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
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Author Archives

Resource for Conservators Seeking Reverse Mortgages

    8 comments
Taking out a reverse mortgage on a property in conservatorship takes a few steps, but it can be done. Conservatorships are established when a court deems a person incapable of making certain decisions and can encompass two categories: for a person or a person's estate. Some conservatorships cover both aspects. They are generally put into effect when someone petitions the...
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Can I Protect My Girlfriend Not On My Reverse Mortgage?

    6 comments
Hello Arlo, I obtained a reverse mortgage on home I purchased in 2011. Paid $170,000 for house in down market now appraised at well over $300,000. I moved my girlfriend in at the time of purchase - still with me ;) Question - how can I protect her from getting thrown out of "our" home if I go daisies up...
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Reverse Mortgage Appraisal Disputes and Rebuttals

    17 comments
Here is what has happened to me regarding the appraisal. Applied on May 1, credit report/income/assets fine, credit score of 800, appraiser came on May 8, loan officer was calling me on May 15 to say appraisal came in at same figure we estimated, everything is looking good, as soon as underwriting approves it, we can schedule closing, blah blah....
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Can you get a Reverse Mortgage on a Home with Acreage?

    39 comments
Does the property have to be 5 acres or less? Wow, I wish I could answer this question in as few words as you asked!  Unfortunately, though, this is going to take a little longer. Because if I had to answer it in just a couple of words, I would have to say, "it depends". We get this question often,...
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Learn How Reverse Mortgages May Affect Your Taxable Income

    18 comments
The economic downturn has taken its toll on many American households and especially on retirees. In fact, one study from Wider Opportunities for Women indicates that more than half of older households have incomes that don’t cover their basic living expenses. To help, many baby boomers are turning to the equity they’ve built up in their homes to help by...
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HECM vs HELOC Comparison: Features & Decision Guide by ARLO™

    12 comments
Reverse Mortgages Can Be a Solution to Major HELOC Resets. There will soon be significant changes for many Home Equity Line of Credit (HELOC) borrowers, which could result in considerable increases in payments. But a solution may also be available for those who qualify: a reverse mortgage line of credit.  In the next few years, many homeowners who have taken...
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Options When a Spouse Dies with a Reverse Mortgage

    22 comments
Under the old reverse mortgage rules, non-borrowing spouses of reverse mortgage borrowers did not have the same rights borrowers did. In fact, in some cases where both spouses were living in the house but only one was named on the home title, those non-borrowing spouses were left without many options after the borrower spouse died. These cases have been...
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Issues with Reverse Mortgages & Adult Children Living in Home

    24 comments
My mother has a reverse mortgage and I've been reading and trying to understand it all. Basics... her house was appraised at 390,000 back in 2007, she owed 113,000 on a previous loan. "Original principal limit" 234,000 minus the 113,000 leaves 121,000. Her payment plan was the line of credit which was 99,000. First question; where does or who the...
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