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HUD-Approved · NMLS #13999
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HECM

The standard FHA-insured reverse mortgage. If you're 62+, this is where most homeowners start.
HECM for Purchase

Buy a new home with a reverse mortgage — relocate, downsize, or right-size without a monthly payment.
Jumbo ReverseNEW

Loan amounts up to $4M for high-value homes beyond FHA lending limits.
HECM Refinance

Already have a reverse mortgage? See if today's rates or higher lending limits can work in your favor.
Not sure where to start? Begin here Not sure which fits? Talk to ARLO™ — (800) 565-1722
How Does It Work?

The complete process — from application to funding — explained in plain English. No jargon.
Pros & Cons

An honest look at both sides — real benefits, real tradeoffs, real numbers.
Today's Rates

Current HECM interest rates, margins, and MIP — updated daily.
2026 Lending Limits

The 2026 FHA lending ceiling and exactly how it affects your maximum loan amount.
Eligibility Requirements

Age, equity, property type, credit, and residency — everything you need to qualify, in one place.
HUD Counseling

Required before closing — here's what it covers, how long it takes, and how to find an approved agency near you.
Not sure where to start? Begin here Prefer to talk it through? Call (800) 565-1722
Reverse Mortgage Calculator Instant

Powered by ARLO™ — live rate comparisons, real-time rates, and ZIP-accurate closing costs. Compare HECM & jumbo side by side. No SSN, no credit pull, no personal info required.
Line of Credit Calculator Instant

See your HECM credit line and how it grows over time.
Refinance Calculator Instant

Checks if refinancing your HECM pays off using the 5× benefit rule.
Purchase Calculator

Estimate your HECM for Purchase numbers — down payment, sale proceeds, and what you can expect at closing.
Amortization Calculator

See how your loan balance and home equity change over time. Includes a downloadable Excel report.
Not sure where to start? Begin here Not sure where to start? Talk to ARLO™ — (800) 565-1722
Ask ARLO™

Search over 2,000 answered customer questions. Find your answer instantly — no form, no wait.
ARLO™ Blog

Market updates, rate commentary, and expert perspective from CEO Michael G. Branson.
Reverse Mortgage Guides

In-depth articles covering eligibility, taxes, heirs, alternatives, and everything in between.
Reader Q&A

Browse real questions from homeowners like you, answered by our reverse mortgage specialists.
Not sure where to start? Begin here Or talk to a human — (800) 565-1722
Explore All Reverse×
Talk to an Expert (800) 565-1722
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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. Reverse Mortgage Guides In-depth articles on eligibility, taxes, heirs, and alternatives. 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
ARLO

See What Your Home Could Do for You

Your instant quote includes eligibility, real-time rates
Michael G. Branson Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in mortgage banking, with the past 20 years devoted exclusively to reverse mortgages. A Forbes Real Estate Council member, he developed the industry's first fixed-rate jumbo reverse mortgage and has been featured in Forbes, Kiplinger, the LA Times, and Yahoo Finance. (License: NMLS# 14040)
Cliff Auerswald Cliff Auerswald, President of All Reverse Mortgage, Inc., and co-creator of ARLO™ — the industry's first real-time reverse mortgage pricing engine — has 27 years of experience in mortgage banking, with 20+ years focused exclusively on reverse mortgages. A recognized expert in reverse mortgage technology and consumer education, he has been featured in Kiplinger, Yahoo Finance, Realtor.com, and HousingWire. (License: NMLS# 14041)

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Author Michael Branson
About the Author, Michael G. Branson | Mike@allreverse.com
Michael G. Branson CEO, 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.
Your numbers, in 60 seconds

See exactly how much you qualify for — with zero pressure.

Run our ARLO™ calculator for a personalized estimate, or talk to a licensed reverse mortgage specialist. No SSN. No credit pull. No obligation.

Get My Free Quote (800) 565-1722
★★★★★ 4.9/5 · 1,200+ reviews A+ BBB Accredited HUD-Approved Direct Lender

Latest Reviews

Verified on BBB ↗
★★★★★

“I’d always heard the reverse mortgage process was a royal pain. Walter and Theresa proved that completely wrong.”

W T
James A.
Camino, CA · Helped by Walter & Theresa
✓ Verified borrower · Jun 2026

“Unlike other companies, ARLO answered my questions freely and respectfully — without demanding personal details upfront. That approach won me over completely.”

W J
Marsha
Mukilteo, WA · Helped by Walter & Jay
✓ Verified borrower · Jun 2026

“Lynn beat every competing proposal and was the only one patient enough to stay in touch. We closed in about five weeks.”

L T
Janet
Mesa, AZ · Helped by Lynn & Theresa
✓ Verified borrower · Closed in ~5 weeks · May 2026

“Kat and Theresa were knowledgeable, professional, and prompt. We closed from start to finish in about three and a half weeks.”

K T
Arlene B.
Austin, TX · Helped by Kat & Theresa
✓ Verified borrower · Closed in ~3.5 weeks · May 2026

“At 92, this was my first reverse mortgage — knowledgeable from start to finish. Instead of just banking the money, we traveled and truly enjoyed our retirement. No regrets.”

W J
Susan
Orland, PA · Helped by Walter & Jay
✓ Verified borrower · Apr 2026

“There was no undue pressure, and I never felt underserved at any time. All financial documents were explained to me in detail.”

L J
Michael L.
Villa Rica, GA · Helped by Lynn & Jay
✓ Verified borrower · Apr 2026

“Theresa and Walter navigated delay after delay to get our loan done. ARLO beat every competitor on numbers and service — honest and dedicated.”

W T
Sophia M.
Chino Hills, CA · Helped by Walter & Theresa
✓ Verified borrower · Mar 2026

“I can’t express how much I appreciated Lynn’s kindness and patience during my mom’s reverse mortgage. As a family, we couldn’t speak more highly of the service.”

L T
Kelly
Bellflower, CA · Helped by Lynn & Theresa
✓ Verified borrower · Mar 2026
See all reviews ›
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A+ BBB Accredited
Since 2008
HUD-Approved
Direct Lender EST. 2004
Top 100 HECM Lender
9 years running
★★★★★ 4.9/5
1,200+ verified reviews
NMLS Consumer Access
Verify Lic. #13999 ›
All Reverse Mortgage HUD-Approved · Est. 2004

America's #1-rated reverse mortgage lender. We've helped thousands of homeowners 62+ unlock their equity — without sacrificing the home they love.

Talk to ARLO™
M–F 7am–6pm PT (800) 565-1722
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Programs

  • HECM
  • HECM for Purchase
  • HECM Refinance
  • Jumbo Reverse NEW

How It Works

  • How Does It Work?
  • Pros & Cons
  • Today's Rates
  • 2026 Lending Limits

Calculators

  • Reverse Mortgage Calculator INSTANT
  • Line of Credit Calc
  • Purchase Calc
  • Amortization

Company

  • Why All Reverse
  • Customer Reviews

Important disclosure: All Reverse Mortgage, Inc. (ARLO™) is a HUD-approved direct lender, NMLS #13999. This material is not from HUD or FHA and was not approved by HUD, FHA, or any government agency. All Reverse Mortgage, Inc. is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Borrower obligations: Borrowers must continue to pay property taxes, homeowners insurance, HOA dues (if applicable), and maintain the property as their primary residence. Failure to meet these obligations may result in default and possible foreclosure. Reverse mortgages are loans — interest accrues and the balance grows over time. Consult your tax advisor regarding the deductibility of interest.

Corporate Office: 2019 W Chapman Ave, Orange, CA 92868 Licensed in 13 states — view full list
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