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Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in the mortgage banking industry. He has devoted the past 20 years to reverse mortgages exclusively. (License: NMLS# 14040) |
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All Reverse Mortgage's editing process includes rigorous fact-checking led by industry experts to ensure all content is accurate and current. This article has been reviewed, edited, and fact-checked by Cliff Auerswald, President and co-creator of ARLO™. (License: NMLS# 14041) |
Michael G. Branson
Cliff AuerswaldWhy Our Reverse Mortgage Calculator Stands Out
Most reverse mortgage calculators online give you outdated estimates, don’t show real-time rates, or require your personal information just to get started.
With ARLO™, you get accurate reverse mortgage calculations, plus instant access to the latest 2025 program updates—so you can make the most informed decision possible.
What Makes This Reverse Mortgage Calculator Different:
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✅ Step-by-step guidance—simple walkthrough for first-time users
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📈 Real-time rates and APR—updated daily
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🔍 Side-by-side loan comparisons—see HECM, jumbo, and proprietary options all in one place
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📊 Amortization schedules and payout projections—know exactly how your loan balance will grow over time
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🏠 Tailored for HECM, jumbo, and proprietary reverse mortgages
Whether you’re just starting to explore or ready to take the next step, this tool gives you instant, personalized reverse mortgage estimates—no sales pressure, no hidden fees.
How to Use Our Reverse Mortgage Calculator
- Enter Your ZIP Code: Determines lending limits and local costs.
- Confirm Home Value: ARLO™ estimates using sales data; update if needed.
- Provide Age & Mortgage Balance: Pays off existing balances first; include spouse’s age for protection.
See Your Quote Now ›› – Instant results, no personal info to get started!
Compare Your Reverse Mortgage Loan Options
ARLO™ Makes It Easy to Find the Right Fit for You
After you complete your 3-step quote, ARLO™ instantly shows you four personalized loan options—each tailored to your goals, property value, and qualifications.
Below are four examples of what ARLO might recommend, complete with screenshots walking you through each result:
1. Best Overall Payout
Want the maximum cash from your home? This rate option provides access to higher cash proceeds over the life of the loan than any other available product option. If your number one goal with the Reverse Mortgage is to get your hands on as much money as possible, this is the option for you.
2. Best Over Time
Grow Slower, Keep More Equity
Want to preserve more of your home’s equity while still having access to funds? This option focuses on lower interest accrual and slower balance growth, helping you retain more value in your home over the years.
ARLO™ walks you through the amortization schedule, allowing you to clearly see how this choice compares to others in terms of long-term cost.
Best for: Homeowners prioritizing long-term equity and flexibility.
3. Lowest Closing Costs
Minimize Upfront Expenses
This option offers the lowest setup costs—ideal if you’re trying to keep upfront expenses as low as possible. Most fees can be included in the loan, meaning you may have little to no out-of-pocket costs.
Best for: Homeowners who want to start their reverse mortgage with minimal cash needed upfront.
4. Fixed Rate Option
Simple, One-Time Payout With a Locked Rate
Want a single lump-sum payment and a fixed interest rate that never changes? This option offers stability and simplicity. Please note that fixed-rate loans do not offer a line of credit and may result in lower total proceeds compared to adjustable-rate options.
Best for: Homeowners who want predictability and don’t need ongoing access to funds.
Tip: You can compare these options side-by-side, view projected loan balances over time, and adjust your inputs to see how age, home value, or rate changes may impact your results—all directly inside ARLO™
Tips to Maximize Your Reverse Mortgage Loan Amount
Want to unlock your full potential loan amount? These quick tips can help:
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Include a younger spouse’s age.
Even if they’re not on the loan, it can improve eligibility and protect your home in the future. -
Wait for a birthday bump.
If you’re within 6 months of your next birthday, waiting might increase your loan proceeds. -
Include all existing mortgage balances.
This ensures your quote reflects what you’ll actually walk away with.
Why This Reverse Mortgage Calculator Excels in 2025
| Feature | All Reverse Mortgage (ARLO™) | Other Calculators |
|---|---|---|
| Real-Time Rates & APR (Updated Daily) | ✅ Yes | ❌ No |
| Closing Cost Estimates | ✅ Local fees included | ❌ Rarely detailed |
| Amortization Schedules & Loan Projections | ✅ Full, transparent projections | ❌ Often missing |
| AI-Powered Recommendations | ✅ Personalized, side-by-side loan options | ❌ One-size-fits-all |
| HECM & Jumbo Reverse Mortgage Results | ✅ HECM, jumbo, and proprietary programs shown | ❌ Usually HECM only |
| 2025 Lending Limit Updates | ✅ Reflects new $1,209,750 FHA limit (Source: HUD.gov, July 14, 2025) | ❌ Outdated limits |
| Scam Protection Guidance | ✅ Tips to avoid hidden fees or predatory offers | ❌ No consumer protections explained |
| No Personal Information Required | ✅ Use freely, no contact info needed | ❌ Often requires phone/email |
| Trusted by Older Homeowners Nationwide | ✅ 20+ years experience, 4.99/5 rating | ❌ Mixed or unknown reviews |
Honest Reviews From Homeowners Like You
Reverse Mortgage Calculator FAQs
How much can I get from a reverse mortgage?
Your loan amount is based on four main factors: your age, your home’s appraised value, current interest rates, and any existing mortgage balance. Our calculator uses HUD’s official formulas to estimate how much you may qualify for—instantly and accurately.
Do I need to provide personal contact information to use the calculator?
No. The light version of our calculator only requires your ZIP code, home value, and age. You’ll see a personalized quote right away—no phone number or email needed unless you choose to speak with a specialist for more details.
Why do interest rates affect how much I can borrow?
Reverse mortgage proceeds are tied to current interest rates. Lower rates allow you to access more equity, while higher rates reduce what’s available. That’s why our calculator updates daily—to reflect the most accurate loan estimate based on today’s market conditions.
How does the HECM line of credit grow over time?
If you choose a line of credit, any unused portion grows each month at your loan’s interest rate plus 0.5%. This feature can increase your available funds later in retirement, especially if you delay tapping into the credit.
Are reverse mortgage calculators accurate?
Only if they use real-time data. Our calculator updates daily with the latest HECM lending limits, current rates, and location-specific closing costs—making it one of the most accurate reverse mortgage calculators available online.
What makes this calculator better than others?
Unlike generic tools, ours is powered by ARLO™, the All Reverse Loan Optimizer. It compares HECM, jumbo, and proprietary loan programs side-by-side, using your details to generate personalized, easy-to-understand results—all backed by 20+ years of reverse mortgage experience.
Ready to find out how much you qualify for? Use our real-time reverse mortgage calculator now or call (800) 565-1722. All Reverse Mortgage, Inc. is America’s #1 rated reverse mortgage lender with 20+ years of experience and a 4.99/5 customer satisfaction rating.
Explore our full suite of tools designed to help you estimate payments, credit line growth, refinance opportunities, home purchase, and long-term loan projections.
Compare Our Suite of Reverse Mortgage Calculators
| Calculator Type | What It Does | Key Features | Includes Rates/APR |
| All Reverse Calculator | Figures out payments, lump sums, and credit lines | AI-powered: Recommends the best loan for your goals | Yes |
| Free Quick Calculator | Estimates payments, lump sums, and credit lines | No personal info needed—just a fast estimate | No |
| Line of Credit Calculator | Shows HECM credit line and growth over time | Projects how your credit line grows | No |
| Refinance Calculator | Checks if refinancing your HECM pays off | Uses home value, rates, and 5x benefit rule | No |
| Purchase Calculator | Plans buying a home with a reverse mortgage | Estimates down payment and sale proceeds | Yes |
| Amortization Calculator | Tracks loan balance and equity over years | Downloadable Excel file for your records | Yes |
| Note: Explore our suite of 2025 reverse mortgage calculators designed to fit your needs. | |||
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