Bellingham 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 Bellingham 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.

Bellingham Reverse Mortgage Facts (2026 Update)

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Lenders in Bellingham (est) Avg. Home Value
Bellingham 6,300 16 6 $651,041

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 Department of Housing and Urban Development (HUD) to originate, underwrite, and close HUD’s Home Equity Conversion Mortgage (HECM), commonly referred to as a reverse mortgage.

We handle the entire process in-house, from application through closing, with a focus on clarity, accuracy, and long-term planning.

Local Reverse Mortgage Help in Bellingham

All Reverse Mortgage of Bellingham works with homeowners who want to:

  • Pay off an existing mortgage and eliminate monthly payments

  • Access home equity while continuing to live in their home

  • Refinance an existing reverse mortgage

  • Establish a growing line of credit for future needs

Each loan is reviewed individually, based on your goals, home value, and retirement timeline.

About All Reverse Mortgage of Bellingham

The All Reverse Mortgage, Inc. team has specialized exclusively in reverse mortgages for more than 20 years.

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

  • HUD-insured HECM loans, and

  • Proprietary jumbo reverse mortgage programs

This expertise allows us to guide homeowners in markets like Bellingham where values may fall within HECM limits, while still evaluating jumbo options when appropriate.

Expert Guidance You Can Trust

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

Our role is to clearly explain:

  • How HECM and jumbo programs differ

  • How loan proceeds are calculated

  • Ongoing homeowner responsibilities

  • Considerations for heirs and long-term planning

With straightforward numbers and honest explanations, you can decide whether a reverse mortgage fits your situation.

Bellingham Reverse Mortgage Lending Limits (2026)

Based on this 2026 update, Bellingham has an estimated 6,300 homeowners aged 62 and older, with 16 FHA-insured reverse mortgages closed over the most recent 12-month reporting period.

The average home value used for this update is $651,041, placing many Bellingham properties:

  • Well within the 2026 federal HECM lending limit of $1,249,125, and

  • In a range where HUD-backed reverse mortgages are commonly used

For homeowners with higher-valued properties, proprietary jumbo reverse mortgage programs may also be reviewed as part of a complete evaluation.


Ready to Unlock Your Home’s Equity?

As Bellingham’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 Bellingham’s #1 Rated Reverse Mortgage Lender, or call (360) 558-3550 to speak with a friendly expert today.