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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 AuerswaldGet real-time reverse mortgage estimates based on your home value, age, and location—no personal info required. Powered by ARLO™, our AI loan optimizer, your results include HECM, jumbo, and proprietary options tailored to your goals.
Why Use This Reverse Mortgage Calculator?
Unlike other calculators, ours is built for transparency, accuracy, and trust. ARLO™ (All Reverse Loan Optimizer) instantly compares your eligibility for:
- FHA-Insured HECM Loans
- Jumbo Reverse Mortgages
- Proprietary Programs with Expanded Limits
You’ll see real loan examples, current interest rates, and detailed closing costs based on your ZIP code—updated daily.
How to Use the Calculator in 4 Simple Steps
- Enter Your ZIP Code
We use this to estimate closing costs and state-specific limits. - Review or Edit Your Home’s Value
ARLO™ auto-fills this using public data—you can adjust if needed. - Input Your Current Mortgage Balance
This ensures we show proceeds after paying off any existing loans. - Provide the Youngest Borrower’s Age
Your age impacts how much you can borrow.
Your personalized results are calculated in real time, showing available options for HECM, jumbo, and proprietary loans based on current rates.
Tips to Maximize Your Reverse Mortgage Estimate
Get the most out of your reverse mortgage estimate with these expert tips:
- Include Your Spouse’s Age: If you’re 62 or older, include the age of any younger spouse, even if they’re not eligible. Their age can impact your loan amount and terms.
- Consider Timing for Higher Loan Amounts: Closing your reverse mortgage within six months of your next birthday could increase your loan amount, as lenders adjust principal limits based on age.
- Include All Mortgage Balances: Include all existing mortgage balances for the most accurate borrowing estimate. This ensures you know how much is available after paying off any obligations.
Preview of Results – Backed by ARLO™ Intelligence
ARLO™ will analyze your scenario and display the best loan fits across four key categories:
Best Overall Payout: “This rate option will give you access to more cash proceeds over the life of the loan than any other available product. You will notice a line of credit available after 12 months, allowing you to receive the most money possible in the first 12 months. If your number one goal with the Reverse Mortgage is to get as much money as possible, this is your best option.”
Best Over Time: “If you want to keep as much equity in your home as possible while having access to a credit line for emergencies, this could be the right choice. Over time, the loan balance with this option grows slower than other products, leaving you with more equity in the long run. Reviewing the amortization schedule can show how this product helps maintain a lower balance over the years. This makes it a good option if preserving equity is your main goal.”
Lowest Closing Costs: “If keeping your upfront costs low is your priority, this option is great for setting up your reverse mortgage. It’s ideal if you’re more focused on minimizing expenses than maximizing the money you receive. Remember, most fees and costs can be rolled into the loan so that you may have little or no out-of-pocket expenses. This makes it easier to start your reverse mortgage without a significant financial burden.”
Fixed Rate Loan Options: “As the name indicates, this is a fixed-rate loan option. Your rate would never be subject to change if you choose and close on this product option. If your biggest priority were to secure a rate that would not be subject to change, you would select this option. Fixed-rate loans are a single disbursement lump sum, so there is no option for a credit line. Depending on your circumstances, a Fixed Rate loan option may not provide you with as much available loan proceeds as one of the adjustable products, so you will want to compare the amount of proceeds available when making your decision.
Pros and Cons of a Reverse Mortgage
✅ Benefits
- No monthly mortgage payments required
- Tax-free funds are available for any purpose
- FHA insurance guarantees you never owe more than your home’s value
- Multiple options: lump sum, line of credit, or monthly advances
⚠️ Considerations
- Interest accrues over time, reducing equity
- You remain responsible for taxes, insurance, and home maintenance
- Closing costs may be higher than those of a traditional loan
👉 Learn more in our detailed guide to reverse mortgage pros and cons
Compare Reverse Mortgage to Other Equity Options
If a reverse mortgage isn’t the right fit, you have other options for tapping into your home equity:
- Cash-Out Refinance – Replaces your current mortgage with a larger one. You get the difference in cash.
- HELOC (Home Equity Line of Credit) – A revolving credit line based on your home’s equity.
- Home Equity Loan – A fixed lump sum loan that’s repaid in monthly installments.
Want to see how these options stack up? Check out our comparison of reverse mortgages vs. home equity loans to help you decide what’s best for your needs.
Keep in mind: only a reverse mortgage offers no required monthly payments, making it a unique option for those seeking financial flexibility in retirement.
2025 Reverse Mortgage Calculator: See How ARLO Stands Out
| Feature | All Reverse Mortgage (ARLO™) | Other Calculators |
|---|---|---|
| Daily Rate & APR Updates | ✔ Yes | ✘ No |
| Closing Cost Estimates | ✔ Includes local appraisal and title fees | ✘ Rarely itemized or location-specific |
| Amortization Schedules | ✔ Full loan balance projections | ✘ Usually not included |
| AI-Powered Loan Insights | ✔ Custom to You | ✘ Generic |
| HECM & Jumbo Program Results | ✔ Shows all qualifying loan types | ✘ May only show HECM or limited options |
| 20+ Years of Expertise | ✔ Backed by seasoned reverse specialists | ✘ Often generic lead providers |
Get the Most Accurate Reverse Mortgage Estimates—Backed by Experience. At All Reverse Mortgage, Inc. (ARLO™), we combine two decades of trusted service with the latest technology to give you fast, personalized results. Whether you’re planning to age in place, pay off a current mortgage, or compare options, our calculator makes it easy to see which loan program fits your goals. Call us Toll-Free at (800) 565-1722 to speak with a licensed expert, or explore your options now using our reverse mortgage calculator—powered by ARLO™ and updated daily with the most current rates and program insights.
Frequently Asked Questions
How does ARLO™ provide accurate, personalized results?
ARLO™ (All Reverse Loan Optimizer) uses advanced AI to evaluate your age, home value, ZIP code, and goals—then instantly matches you with current rates and loan options. It’s fast, private, and tailored to your needs, with no sales pressure.
How much can I borrow with a reverse mortgage?
Your available loan amount is based on the youngest borrower’s age, current interest rates, and your home’s value. Our calculator follows HUD’s official Principal Limit Factors to estimate your maximum lending limit.
Why do interest rates affect reverse mortgage proceeds?
Lower interest rates allow you to access more equity, while higher rates reduce your borrowing potential. That’s why our calculator updates daily—to ensure the most accurate estimate based on today’s market.
How does the HECM line of credit grow?
The unused portion of your line of credit grows at your loan’s interest rate plus 0.5%. This unique feature can increase your available funds over time, especially if you delay accessing the credit.
What’s the main downside of a reverse mortgage?
Interest accrues over time, which reduces your home equity. This may leave less for heirs. However, with FHA insurance, you’ll never owe more than your home’s value—and our amortization tool can help you project equity changes over time.
Why trust our calculator?
All Reverse Mortgage, Inc. has over 20 years of reverse-only lending experience. We’re the only lender offering instant, real-time quotes using daily HUD updates—without asking for any personal information.
Why Retirees Trust All Reverse Mortgage, Inc.
- Over 20 Years of Reverse Mortgage Expertise
- A+ BBB Rating and 4.9/5 Verified Reviews
- Daily Updated Rates, Real-Time APR Estimates
Whether you’re looking to tap into your equity, age in place, or plan for retirement, our calculator makes it easy to explore your options confidently.
Searching for the best reverse mortgage calculator to understand the numbers, I discovered All Reverse Mortgage and noticed their rates were lower than the major lenders. Their prompt response and quick follow-up demonstrated their commitment to excellent customer service. -Peter H. (BBB)
