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Reverse Mortgage Calculator

Hello, I’m ARLO and my job is to intelligently calculate your perfect reverse mortgage loan. Let’s Get Started! (Instant Quote - No SSN Required)
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Step 1 of 3. Enter your address to calculate your eligibility...
Street Address
Zip Code
With ARLO get up to $25,000+ MORE from Your Reverse Mortgage!
"ARLO is the most sophisticated reverse mortgage consumer pricing engine currently available" -Yahoo! Finance
"ARLO is a philosophy of educating borrowers rather than selling to them" -Housing Wire
Home Value
Existing Mortgage
ARLO Reverse mortgage proceeds are based in part on your age. If you have a spouse their age will be needed as well in order to give you the most precise calculations.
Your DOB
Spouse DOB (If you have a spouse)

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I just fetched you the best of 2019's Reverse Mortgages! Your custom ARLO analysis includes real-time loan comparisons highlighted with my expert recommendations.
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"ARLO is the most sophisticated reverse mortgage consumer pricing engine currently available" -MarketWatch

calculator results preview

ARLO™ is the only calculator of its kind to offer you instant and accurate eligibility across 2019's best reverse mortgages. Our calculator will instantly generate a quote that includes your available loan amount and current interest rates. Best of all, ARLO™ will retrieve the most suitable program for your individual needs.

How to use this calculator

The amount of funds available from the reverse mortgage are based on several factors which include the age of the youngest borrower or spouse, current interest rates, and your home's property value. Interest rates will have a direct effect on your available proceeds; the lower the rate, the more available funds you will receive.

Step 1: Enter your property zip code, estimated value and any mortgage balances.

Your zip code is important as ARLO™ will fetch accurate 3rd party closing costs such as title, recording and local taxes (if applicable). If you are unsure about your estimated home value, we will be happy to return a list of recent sales comparable an appraiser will likely use in their property estimate. If you have a mortgage balance, or HELOC balance be sure to enter this amount as all existing mortgage loans must be paid off from your available proceeds.

Step 2: Enter your age.

Your principal limit is based on the youngest borrowers exact age. This step only assures your calculations are returned as accurate as possible.

Step 3: View Your Analysis

Within the results you will be welcomed by ARLO™ with special program recommendations based on your individual goals. You can adjust the amount of funds you would like to withdraw at closing and view amortization schedules across all available plans. ARLO™ can also show you which program is best overtime, and which carry the least initial setup costs!

User Tips:

  1. Don’t forget to include your spouse’s age, even if they are not yet 62 as loan proceeds are always based on the age of the youngest spouse due to actuarial tables (life expectancy).
  2. When you close a reverse mortgage within 6 months of your next birthday, your calculations automatically move you into the next year’s principal limit factor.
  3. If you have a HELOC (Home Equity Line of Credit), be sure to include this balance as part of the total mortgage payoff.

Included in Your Quote Analysis

  • Side-by-side Loan Comparisons
  • Real-Time Interest Rates & APR
  • Estimate of Initial Setup Costs
  • Total Annual Loan Costs / Amortization Schedules
  • Personalized Program Recommendations

Results will display ALL programs for which you are eligible including real-time interest rates and custom amortization schedules. Using our loan estimator (ARLO™) will make your life easier by highlighting each program along with personalized program recommendations.

Lending Limits & Payment Options

HECM (Home Equity Conversion Mortgage)
  • Maximum lending Limit: $726,525
  • Payment Options: Lump sum, line of credit, monthly payments
  • Interest Rate Options: Fixed & Adjustable
JUMBO (Proprietary Non-FHA Programs)
  • Maximum lending Limit: $5,000,000
  • Payment Options: Lump sum, line of credit, monthly payments
  • Interest Rate Options: Fixed & Adjustable

Our Calculators:

All Reverse Mortgage Calculator
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Disclaimer: ARLO™ reverse mortgage estimator and all content included in calculations are for borrower convenience. Quotes shown are loan estimates, and terms produced may not be presently available credit terms. Interest rates (fixed rate and adjustable rate, LIBOR index) and amortization, mortgage insurance premiums (MIP), origination fees, lender margins, payment options and closing costs may vary. Borrowers with reverse mortgages must continue to pay all property charges such as property taxes, hazard insurance and HOA dues (if any).