Ashland Reverse Mortgage Lenders
At All Reverse Mortgage, Inc. (ARLO™), we’re proud to be Oregon’s #1 Rated Reverse Mortgage Lender, celebrating 20 years of dedicated service. Our A+ rating from the Better Business Bureau and perfect 5-star reviews reflect our unwavering commitment to providing you with the best terms and exceptional customer care.
Since 2004, our mission has been simple: to help Oregon homeowners make the most of their home’s equity with peace of mind. As a HUD-approved lender, we offer a comprehensive range of HECM and jumbo reverse mortgages tailored to meet your specific needs.
With our competitive rates and lower costs, you can retain more of your home’s equity. We’re here to show you the difference our experience can make, and we look forward to guiding you every step of the way!
All Reverse Mortgage is licensed by the Division of Finance and Corporate Securities (DFCF) (License/Registration #ML-5006)
Ashland Reverse Mortgage Facts
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Purchase Reverse Mortgages Closed Last 12 Months | Lenders in Ashland (est) | Avg. Home Value |
|---|---|---|---|---|---|
| Ashland | 2,057 | 2 | 0 | 2 | $458,500 |
HUD Approved Direct Lender
All Reverse Mortgage, Inc. (ARLO™) is approved by the Department of Housing and Urban Development (HUD) to originate, underwrite, and close the HUD
Home Equity Conversion Mortgage (HECM, or “Heck-um”). The HECM is HUD’s acronym for their reverse mortgage loan.
All Reverse Mortgage, Inc. (ARLO™) originates in Ashland and closes both refinance loans, where borrowers already own their home and are looking to either
pay off their existing loan and have no more monthly mortgage payment, utilize their equity for other purposes if they have no existing loan, or possibly
a combination of both.
About All Reverse Mortgage, Inc.
At All Reverse Mortgage, Inc. (ARLO™), we’re proud to be licensed by the state of Oregon, bringing decades of expertise and local knowledge to homeowners across the state. Our owners and management were part of the team that introduced and sold the first fixed-rate jumbo reverse mortgage in 2008. With extensive experience in jumbo and proprietary loan programs, we continually seek new products to better serve Oregon homeowners, especially those with high-value homes in markets where the HUD HECM may not fully meet their needs.
As a licensed Oregon lender, we understand the unique aspects of the local housing market. We’re dedicated to helping you navigate the complexities of reverse mortgage options, from the HUD HECM to niche jumbo programs. Our seasoned originators are well-equipped to guide you through the process, ensuring you understand the pros and cons of each option so you can make an informed decision.
For homeowners aged 62 and above, a reverse mortgage can be a powerful financial tool—not just a last resort. Whether it’s eliminating existing mortgage payments or establishing a growing line of credit, we’re here to help you use your home’s equity to live comfortably and plan for the future in your family home.
Ashland Details
Situated just 16 miles north of the California border, Ashland is located along Interstate 5 and is home to Southern Oregon University.
The area that would become Ashland saw its first settlers after gold was discovered in nearby Jacksonville. These early settlers began making donation land claims, which laid the foundation for the city. The community grew steadily through the end of the 19th century, with the establishment of businesses, schools, and churches. In 1871, the town adopted the name “Ashland,” and the following year, Southern Oregon University was established, where it remains a key institution in the city.
Ashland is also known for its lithia water, sourced from local streams, which led to plans for a mineral spa that were ultimately unrealized. However, entrepreneurs bottled and sold the mineral water from nearby Emigrant Lake. The city served as a stop on the railroad connecting California, Oregon, and Washington. Although many relics of Ashland’s railroad era are gone, the city still preserves 48 individual buildings and two historic districts—the Ashland Railroad Addition District and the Downtown District—both listed on the National Register of Historic Places.
The Oregon Shakespeare Festival, established in 1935, has become a significant part of Ashland’s identity. Tourism is a major driver of the local economy, with restaurants, hotels, stores, and galleries catering to the influx of visitors attending the festival, which employed an estimated 500 workers for the 2010 event. Southern Oregon University is the city’s largest employer, with nearly 750 staff members.
Ashland is known for its natural beauty, situated near the Shasta Mountains. A must-see spot is Lithia Park, which spans 93 acres and begins in the heart of Ashland’s downtown shopping area. The park features a Japanese garden, tennis courts, two public greens, and numerous hiking trails.
Ashland’s climate is mild, with the heaviest cloud cover in the colder months. The average high temperature in the summer is just below 87 degrees Fahrenheit, while the average low in winter is around 29.2 degrees. Ashland experiences just over 113 days of precipitation per year, which is relatively low compared to other parts of Oregon.
Ashland Lending Limits
According to U.S. Census Bureau data, 18 percent of Ashland’s population is made up of seniors aged 65 and older. Of this senior population, 85 percent (over 2,000 households) are homeowners. This indicates a dedicated community of seniors who have made Ashland their long-term home.
Many senior households in Ashland may be eligible for a reverse mortgage, and several have already utilized this financial tool to support their retirement needs.
Ashland’s median home price is $458,500, which is $112,000 higher than the state average, according to the Zillow Home Value Index. Prices in the area have increased by 0.7 percent over the past year, with a projected slight decline of 0.3 percent in the coming year.
For homes appraised above the HUD lending limit of $1,149,825, homeowners may still be able to access their home equity through a jumbo reverse mortgage. This option could provide greater access to home equity compared to an FHA-insured HECM reverse mortgage.
Reverse mortgages may not be the perfect solution for every homeowner, but depending on your situation, a HECM could be worth considering as you approach your retirement years.
If you’re a homeowner in Ashland aged 62 or older, and you’re curious about how a reverse mortgage could benefit you, All Reverse Mortgage, Inc. (ARLO™) is here to help. Access our online calculator to estimate your reverse mortgage lending limit or call us Toll Free at (800) 565-1722 to explore your options.
We’re ready to answer your questions and help you make the most of your home’s equity—so you can confidently enjoy your retirement. Don’t wait—reach out to us today!
