Austin's #1 Reverse Mortgage*

Austin Reverse Mortgages

At All Reverse Mortgage, Inc. (ARLO™), we take great pride in being recognized by the Better Business Bureau as the top-rated reverse mortgage lender in Texas. Our commitment to excellence has earned us a perfect 5.0-star rating and an A+ rating, reflecting our dedication to outstanding service.

With over 20 years of specialized experience, we are devoted to meeting the needs of homeowners across 15 states, including the great state of Texas. Since our inception in November 2004, we have focused solely on reverse mortgages, striving to offer you the most favorable rates and competitive pricing available.

As a HUD-approved direct lender, we offer a range of reverse mortgage options, including the national Home Equity Conversion Mortgage (HECM) programs and non-FHA and jumbo reverse mortgages. This allows us to assist Texas homeowners with high-value properties that exceed the national 2026 lending limit of $1,249,125.

We invite you to compare our customer reviews, lower rates, and competitive closing costs with those of other major lenders. The difference is clear, and we are eager to demonstrate how we can help you maximize your home’s equity.

Rest assured, we are fully licensed by the Texas Department of Savings & Mortgage Lending (License/Registration #84280), ensuring you receive top-notch service and support throughout the state.

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 Direct Lender

All Reverse Mortgage, Inc. is approved by the Department of Housing and Urban Development to originate, underwrite, and close FHA-insured Home Equity Conversion Mortgages. The HECM program allows eligible homeowners to convert a portion of their home equity into cash without making monthly mortgage payments, as long as they continue to live in the home and meet basic property and tax obligations.

We work with Austin homeowners who want to refinance an existing mortgage, eliminate monthly payments, establish a growing line of credit, or use a reverse mortgage as part of a broader retirement strategy. We also help buyers use a HECM for Purchase to buy a new home with no monthly mortgage payment from day one.

About All Reverse Mortgage, Inc. (ARLO™)

The leadership of All Reverse Mortgage, Inc. (ARLO™) was instrumental in introducing the first fixed-rate jumbo reverse mortgage in 2008. With extensive experience in jumbo and proprietary loan programs, we continually seek new products to serve homeowners with high-value properties in Austin and other markets where the standard HUD HECM may not fully meet their needs.

Our experienced originators are here to guide you through the various reverse mortgage options, ensuring you choose the program that best suits your financial goals. Whether you’re in a market well-suited for a traditional HECM or a niche market requiring a jumbo loan, we’ll help you make an informed decision.

For many homeowners aged 62 and above, a reverse mortgage is no longer just a last resort—it’s a powerful financial tool to enhance retirement. From eliminating existing mortgage payments to securing a growing line of credit, a reverse mortgage can help you live comfortably in your family home while planning for the future.

Austin, Texas Reverse Mortgage Lending Limits (2026)

Austin is one of the fastest-growing major cities in Texas, with a population of just over one million residents. Strong job growth, a diverse economy, and long-term housing demand have contributed to home values that remain well above the national average.

Based on current Census estimates, Austin is home to approximately 54,675 homeowner households aged 62 and older. During the most recent 12-month period, 228 reverse mortgages were closed in the city, including 4 HECM for Purchase transactions, reflecting steady demand from both existing homeowners and buyers.

As of late 2025, the average home value in Austin is approximately $625,705. This places many properties comfortably within the 2026 FHA HECM lending limit of $1,249,125, while higher-value homes may qualify for jumbo reverse mortgage programs that allow borrowing beyond the federal cap.

If you’re trying to understand how much equity may be available based on your age, home value, and current rates, the easiest place to start is with real numbers.

Ready to Unlock Your Home’s Equity?

As Austin’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.
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As a fully licensed lender by the Texas Department of Savings & Mortgage Lending (License #84280), we’re committed to helping you secure the retirement you deserve.

Get Your Reverse Mortgage Quote from Austin’s #1 Rated Reverse Mortgage Lender* or call (512) 400-3287 to speak with a licensed expert.