Bainbridge Island Reverse Mortgage Lenders

At All Reverse Mortgage, Inc. (ARLO™), we are proud to be Washington’s #1 Rated Reverse Mortgage Lender, as recognized by the Better Business Bureau. We have a perfect 5-star rating and an A+ exemplary score. We’ve been serving Bainbridge homeowners since 2004 and are dedicated to providing reverse mortgages that help you enjoy your retirement years with peace of mind.

We understand that you deserve the best possible rate with the lowest costs. That’s why we focus solely on reverse mortgages, ensuring you receive expert guidance every step of the way. As a HUD-approved direct lender, we offer both national HECM programs and specialized jumbo Reverse Mortgages for homeowners with higher-value properties in Washington State.

We invite you to compare our customer reviews, lower rates, and closing costs with those of any other lender. We’re confident you’ll see the difference, and we look forward to helping you achieve your financial goals.

Bainbridge Island Reverse Mortgage Facts (2026 Update)

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Lenders in Bainbridge Island (est) Avg. Home Value
Bainbridge Island 4,200 6 2 $1,128,718

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. (ARLO™) is approved by the U.S. Department of Housing and Urban Development (HUD) to originate, underwrite, and close HUD’s Home Equity Conversion Mortgage (HECM), commonly called a reverse mortgage.

We handle the process end to end, from application through closing, with no outsourcing and no pressure.

Local Reverse Mortgage Help on Bainbridge Island

All Reverse Mortgage of Bainbridge Island works with homeowners who want to:

  • Pay off an existing mortgage and eliminate monthly payments

  • Access home equity without selling their home

  • Refinance an existing reverse mortgage

  • Establish a growing line of credit for long-term planning

Every situation is different. Our role is to help you understand your real options before you decide.

About All Reverse Mortgage of Bainbridge Island

Our team has specialized exclusively in reverse mortgages for more than two decades.

In 2008, we were part of the group that introduced the first fixed-rate jumbo reverse mortgage, giving us deep experience with both:

  • HUD-insured HECM loans, and

  • Proprietary jumbo reverse mortgage programs for higher-value homes

That experience matters in markets like Bainbridge Island, where home values often approach or exceed federal limits.

Expert Guidance You Can Trust

Reverse mortgages are not one-size-fits-all.

We take the time to explain:

  • HECM versus jumbo reverse mortgage options

  • How principal limits work at different home values

  • Ongoing homeowner responsibilities

  • Long-term planning considerations for heirs

Our job is clarity. Your job is deciding what fits your goals.

Bainbridge Island Reverse Mortgage Lending Limits (2026)

Bainbridge Island is one of the largest islands in Puget Sound, located just west of Seattle and connected by ferry. The island is known for long-term homeownership, limited housing inventory, and higher property values relative to surrounding areas.

Based on Census-derived estimates, approximately 4,200 homeowners on Bainbridge Island are age 62 or older, making reverse mortgages a relevant planning tool for many residents.

The average home value used for this 2026 update is $1,128,718, placing many properties:

  • Within reach of the 2026 federal HECM lending limit of $1,249,125, or

  • In range where jumbo reverse mortgage options may provide additional flexibility

We review both paths so homeowners can compare real numbers, not assumptions.

Ready to Unlock Your Home’s Equity?

As Bainbridge Island’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 Washington State Department of Financial Institutions (License #CL-13999), we’re committed to helping you secure the retirement you deserve.

Get Your Free Quote from Bainbridge Island’s #1 Rated Reverse Mortgage Lender, or call (206) 900-9486 to speak with a friendly expert today.