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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 Mortgage Pros and Cons in 2026: Costs, Benefits & Risks

    15 comments
[arlo_toc] As a mortgage banker for over 30 years, my first introduction to reverse mortgages came from my own mother more than 20 years ago — back when they weren't on every commercial and most mortgage bankers (myself included) didn't know much about them. After seeing how well it worked for her circumstances, the very first reverse mortgage I ever...
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Jumbo Reverse Mortgages: 2026 Rates & Loan Limits up to $4 Million

    16 comments
A jumbo reverse mortgage is a privately funded loan that allows homeowners to access more equity than the FHA-insured HECM program permits, with loan amounts up to $4 million and no FHA mortgage insurance premiums. In 2026, jumbo reverse mortgages, also known as proprietary or private reverse mortgages, remain a key option for homeowners with high-value or non-conforming properties. With the FHA...
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Best Reverse Mortgage Lenders of 2026 – Rates, Reviews & How to Choose

    4 comments
Looking for the best reverse mortgage lender in 2026? This guide ranks the top reverse mortgage companies on what you can actually verify: customer reviews, BBB ratings, complaint history, and how openly each lender discloses its terms. How We Chose the Best Reverse Mortgage Lenders in 2026 Choosing a reverse mortgage lender is a major financial decision, one that can...
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How Does a Reverse Mortgage Work? 2026 Expert Guide | ARLO™

    24 comments
For more than 20 years, I've helped homeowners 62 and older understand the reverse mortgage program and use it to support their retirement as safely as possible. At All Reverse Mortgage, Inc., we focus on one loan type — reverse mortgages. You won't see ads for other lending products on our pages. That single focus is intentional: it lets us...
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Reverse Mortgage Line of Credit & Growth Rate Explained

    122 comments
[arlo_toc] The reverse mortgage line of credit is, in my opinion, the single most underappreciated financial tool available to homeowners age 62 and older. I've been in mortgage banking for 45 years, and for the last 20, I've exclusively originated reverse mortgages, and there is nothing else like it in the lending world. A traditional Home Equity Line of Credit...
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Reverse Mortgage and Divorce — How to Use Home Equity for Settlements, Buyouts & Fresh Starts

    119 comments
While the concept of a reverse mortgage is often associated with bolstering financial stability for retirees, its utility extends beyond mere retirement planning. Beyond its ability to aid those meeting the 62-year-old age requirement in enhancing monthly cash flow or eliminating mortgage payments, there exists a lesser-known yet significant application: navigating divorce situations. For couples facing the complexities of asset...
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Downsizing in Retirement: 6 Reasons to Move and How a Reverse Mortgage for Purchase Makes It Easier

    no comments
As we age, our housing needs and preferences often change. The family home that once fulfilled all our needs and still holds a lifetime of memories may begin to feel impractical or burdensome as our family sizes and physical needs change. This is where downsizing, "rightsizing," or even relocating to a more advantageous location is often the best option for...
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How Reverse Mortgage Appraisal Laws & Appeals Work

    8 comments
If you are considering a reverse mortgage, it is important to understand that your home must be appraised by an FHA-approved appraiser. The appraisal is thorough, but there is no need for concern. The appraiser will inspect the entire property, take measurements to confirm the home's size, and review key features and overall condition. This also includes a simple head-and-shoulders...
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