All Reverse Mortgage, Inc. (ARLO®)

Home Equity Conversion Mortgage (HECM): 2025 Guide to Eligibility, Limits, and Benefits

July 13, 2025     12 comments

If you’re a homeowner aged 62 or older searching for "Home Equity Conversion Mortgage" or "HECM," this guide is your comprehensive resource.  The Home Equity Conversion Mortgage (HECM) is a powerful FHA-insured reverse mortgage program that allows you to convert your home equity into tax-free cash without making monthly payments, selling your home, or relocating. Regulated by HUD, it's the most popular reverse mortgage in the U.S., offering protections for you and your heirs. In this updated 2025 guide, we cover the definition of HECM, how it works, eligibility requirements... Read Full Article

2025 Guide to Reverse Mortgage Purchase (HECM Purchase)

June 10, 2025     16 comments

Introduction to Purchase Reverse Mortgages Welcome to our guide on Purchase Reverse Mortgages!  In this article, we will explain how you can buy a new home with a special kind of reverse mortgage, making it easier for you to transition to a new living situation as you age.  Whether you are considering downsizing, moving to a more accessible home, or relocating closer to family, this guide is for you. We will cover the essentials – from the benefits of a Reverse Mortgage Purchase to how the Home Equity Conversion Mortgage... Read Full Article

2025 Jumbo Reverse Mortgage Guide: Top Lenders, Rates & Loan Limits

May 24, 2025     14 comments

As we enter 2025, the landscape of reverse mortgages continues to evolve, with jumbo reverse mortgages, also known as proprietary or private reverse mortgages, emerging as a significant component for homeowners with high-value or non-conforming/non-FHA insurable properties. In this article, we will dissect the critical differences between jumbo and FHA-insured reverse mortgages, clarifying why and when a jumbo reverse mortgage could be the right choice for you.  We will also dive into the key benefits alongside a balanced discussion of these loans' potential risks and rewards. Whether you are a... Read Full Article

The Realtor’s Guide to Reverse Mortgages for Home Purchase

April 15, 2025     2 comments

Why Realtors Should Understand Reverse Mortgages for Home Purchase The HECM for Purchase program (Home Equity Conversion Mortgage) is an FHA-insured loan that allows homebuyers aged 62 and older to purchase a new primary residence with no monthly mortgage payments.  This benefits your senior buyers, helps your sellers move their listings, and ultimately helps you close more transactions. Yet many real estate professionals are unaware of this powerful tool—or they’ve heard myths that just aren’t true.  When used correctly, a reverse mortgage for purchase can close just as quickly... Read Full Article

Why Reverse Mortgages Are Safe from DOGE Cuts

April 10, 2025     no comments

If you’ve been thinking about a reverse mortgage but are unsure whether the program will still be around in the future—or what might happen if federal budget cuts from "DOGE," the Department of Government Efficiency impacts housing programs—you’re not alone. At All Reverse Mortgage, Inc., we speak with people every day who are interested in tapping into their home’s equity but have questions about the long-term security of the federally insured Home Equity Conversion Mortgage (HECM) program. Let’s put your mind at ease: HECM reverse mortgages are fully insured... Read Full Article

Banks That Offer Reverse Mortgages in 2025

March 29, 2025     no comments

When considering a reverse mortgage, finding the right lender is crucial for making an informed decision.  While large national banks like Wells Fargo, Chase, and Bank of America are household names for traditional mortgages, they typically do not offer reverse mortgages.  Instead, they often refer inquiries to outside specialists. Smaller regional banks or specialized lenders are more likely to provide reverse mortgage services.  To ensure you get the best terms and support, comparing lenders and choosing one that focuses on reverse mortgages and understands your unique needs is essential. ... Read Full Article

Best Reverse Mortgage Lenders of 2025: Ratings, Reviews & ARLO™ Insights

March 29, 2025     2 comments

Looking for the best reverse mortgage lender in 2025?  Whether you’re just starting to explore your options or comparing interest rates and closing costs, this guide breaks down the top reverse mortgage companies based on verified reviews, BBB ratings, complaint history, and lender transparency. Updated for 2025, this expert-backed comparison will help you confidently choose the right reverse mortgage lender for your financial future. 5 Essential Tips for Choosing the Right Reverse Mortgage Lender 1.  Work with a Lender Who Understands Your Needs It’s crucial to work with a... Read Full Article

How Reverse Mortgages Work: Explained in Simple Terms!

March 19, 2025     22 comments

Introduction to Reverse Mortgages Welcome to our guide on reverse mortgages!  In this article, we will explain reverse mortgages in simple terms.  Whether you are a homeowner thinking about your financial future, a family member helping someone understand their choices, or just curious about how reverse mortgages work, this guide is for you. We cover the basics – from who can get a reverse mortgage to how repayment works – to help you decide if a reverse mortgage is right for you. What is a Reverse Mortgage? A reverse... Read Full Article

Is a Reverse Mortgage a Good Idea? 4 Smart Reasons to Consider in 2025

March 5, 2025     27 comments

Thinking about your finances can feel overwhelming, but a reverse mortgage can provide financial relief and peace of mind when used wisely. It’s a loan designed to help homeowners aged 62 and older turn their home equity into cash—without selling or making monthly mortgage payments.  But is it a good idea for you? This guide explores four scenarios where a reverse mortgage makes sense and situations where it may not be the best choice. 4 Smart Reasons to Get a Reverse Mortgage 1.  You Need to Improve Cash Flow in... Read Full Article

Debunking the Top 10 Reverse Mortgage Downsides

February 23, 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