Serving Alameda County Homeowners Since 2004
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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
Edited by 
Cliff Auerswald
Alameda Reverse Mortgages
At All Reverse Mortgage, Inc. (ARLO™), we take pride in being California’s #1 Rated Reverse Mortgage Lender. We have a perfect 5-star rating from the Better Business Bureau and an A+ Exemplary Rating. We’ve been serving communities across California and 15 additional states since 2004, all from our headquarters in Southern California.
We focus solely on reverse mortgages, so you can trust that we have the expertise you need. We’re dedicated to providing you with the best possible rates and the lowest costs, ensuring you get the most out of your home’s equity.
As a HUD-approved lender, we offer national HECM programs and provide non-FHA and Jumbo Reverse Mortgages for those with higher-value homes exceeding the national 2026 lending limit of $1,249,125.
We invite you to compare our reviews, rates, and closing costs with those of any other lender. We’re confident you’ll see the difference and are excited to help you make the most informed decision.
Alameda County Reverse Mortgage Facts (2026 Update)
| County | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Active Lenders (est) | Avg. Home Value |
|---|---|---|---|---|
| Alameda County | 213,810 | 130 | 12 | $1,044,521 |
How this data was derived: Reverse mortgage counts reflect FHA-insured HECM loans endorsed over a rolling 12-month period (Dec 2024–Nov 2025) using HUD HECM Snapshot data. Active lenders represent unique FHA sponsor numbers with at least one endorsed loan during this period. Estimated homeowners age 62+ are based on U.S. Census ACS 5-year owner-occupied households age 65+ as a conservative proxy. Home values are sourced from Zillow’s Home Value Index (latest available).
HUD-Approved Reverse Mortgage Lender in Alameda County
All Reverse Mortgage, Inc. (ARLO™) is approved by the U.S. Department of Housing and Urban Development to originate, underwrite, and close Home Equity Conversion Mortgages (HECMs), the federally insured reverse mortgage program.
We are fully licensed in California and serve homeowners throughout Alameda County, including those looking to:
• Eliminate an existing mortgage payment
• Access home equity for retirement cash flow
• Establish a standby or growing line of credit
• Refinance into a reverse mortgage from a traditional loan
We handle the process from start to finish and focus exclusively on reverse mortgages.
About All Reverse Mortgage, Inc.
Our leadership team has been active in the reverse mortgage industry for more than two decades and was part of the group that introduced the first fixed-rate jumbo reverse mortgage in 2008.
That experience allows us to advise homeowners on both:
• HUD-insured HECM loans, which are subject to federal lending limits
• Jumbo (proprietary) reverse mortgages, designed for higher-value homes
Not every homeowner benefits from a jumbo program, and not every high-value home requires one. Our role is to clearly explain the tradeoffs so borrowers can make informed, long-term decisions.
Alameda County Reverse Mortgage Lending Limits
Alameda County is one of California’s largest and most diverse counties, with an estimated 1.67 million residents as of 2026. The county includes major cities such as Oakland, Berkeley, Fremont, and Alameda and is home to leading institutions like UC Berkeley and California State University, East Bay.
Housing values in Alameda County remain among the highest in the state. As of 2026:
• The average home value is approximately $1,044,521
• The national FHA HECM lending limit is $1,249,125
Homes valued above the FHA limit may benefit from jumbo reverse mortgage programs, while homes below the limit may be well-served by a standard HECM. Eligibility and loan proceeds depend on age, interest rates, and property type.
Using a Reverse Mortgage as Part of Retirement Planning
For many homeowners age 62 and older, a reverse mortgage is no longer viewed as a last-resort option. Instead, it’s increasingly used to:
• Reduce required monthly expenses
• Improve long-term retirement liquidity
• Create flexibility during market downturns
• Support aging in place
When structured correctly, a reverse mortgage can complement other retirement assets rather than replace them.
Ready to Unlock Your Home’s Equity?
As Alameda’s #1 Rated Reverse Mortgage Lender, All Reverse Mortgage, Inc. (ARLO™) is here to provide trusted guidance, real-time rates, and expert support to help you make informed decisions.
✔ No obligations. Just real-time rates and expert advice.
✔ Instant quote. No personal info required.
✔ Licensed experts. Get clear, honest answers.
As a fully licensed lender by the California Department of Financial Protection and Innovation (DFPI License #4131292), we’re committed to helping you secure the retirement you deserve.
Get Your Free Quote from Alameda‘s #1 Rated Reverse Mortgage Lender, or call (510) 556-8440 to speak with one of our knowledgeable licensed experts.
