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Compare The Big Island's Best Reverse Mortgages

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In your current area homeowners are currently utilizing reverse mortgages to better enhance their retirement years, with nationwide!
The amount you receive is based on your home’s value, your age, and current interest rates. Let’s start with your address so I can estimate your home value…
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The minimum qualifying age for a reverse mortgage is 55. If you are within 6 months from your next birthday, I will automatically calculate you a year older.
Tip! Don’t forget to include your spouse’s age, even if they are not yet 55, as loan proceeds are always based on the age of the youngest spouse.
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Big Island Reverse Mortgage Lenders

All Reverse Mortgage, Inc. (ARLO™) is proud to be Hawaii's #1 Rated Reverse Mortgage Lender by the BBB with a Perfect 5.0 Stars and A+ Exemplary Rating. We currently lend in 16 states.

All Reverse Mortgage was incorporated November 2004 and as the name implies, the only loan product that All Reverse Mortgage, Inc. (ARLO™) originates is in fact, the reverse mortgage.

We’re committed to be your lender because you deserve the best rate at the lowest price possible.

We’re a HUD Approved direct lender lending through the national Home Equity Conversion Mortgage (HECM) programs and offer a suite of Non-FHA & Jumbo Reverse Mortgages to better suit homeowners in Hawaii with higher value homes over the national 2022 lending limit of $1,089,300.

Big Island Reverse Mortgage Facts

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Purchase Reverse Mortgages Closed Last 12 Months Lenders in Big Island (est) Avg. Home Value
Big Island 51,000 17 1 3 $542,818

HUD Approved Direct Lender

All Reverse Mortgage, Inc. (ARLO™) is approved with 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 Big Island 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. (ARLO™) of HI

The owners and management of All Reverse Mortgage, Inc. (ARLO™) were part of the team that wrote and sold the first fixed-rate jumbo reverse mortgage in 2008 and as such, have extensive experience in jumbo or proprietary loan programs as well. We are always looking for new products to offer to borrowers of high valued homes in the higher home priced markets that the HUD HECM may just not serve well. Jumbo or proprietary programs typically offer much lower Principal Limits as they relate to values, so not all borrowers are better served with the jumbo programs.

Only a seasoned originator can readily inform borrowers which program will best suit their needs and the positives and negatives of each so that the borrower can make an informed decision. It is no longer uncommon anywhere in the country for a market to be a solid HUD HECM market and then within just a short distance for a niche jumbo market to be located where there is a need for a jumbo program.


Therefore, homeowners aged 62 and above in all markets have seen that the reverse mortgage can be a very solid financial tool, and many are now seeking the reverse mortgage to augment their retirement plans and not so much as a mortgage of last resort. Everything from the elimination of the existing mortgage payments to the line of credit that grows that grows make reverse mortgage borrowers understand that this program allows them to utilize their homes to not only live comfortably in their family home, but to plan for the future as well.

Big Island Details

Aptly known as “the Big Island,” the island of Hawaii is the largest by far among all of the Hawaiian Islands. At more than 4,000 square miles in terms of its area, the island is more than five times the size of the next largest Hawaiian island, Maui and is more than twice the size of all the other islands combined.

In terms of population, however, the island of Hawaii is the second most populous of the islands, at roughly 200,000 residents. This compares with around 1 million residents of the most populous island, Oahu.

While all of Hawaii’s islands are known for their volcanic and geological features, the island of Hawaii is home to frequent active volcanic activity and is marked by two massive volcanoes, Mauna Loa and Mauna Kea, which comprise nearly 75% of the island’s land mass. Mauna Kea is now extinct, but stands at nearly 14,000 feet above sea level as the highest point in the Pacific Basin. While more than half of the mountain’s height stands below the surface of the ocean, Mauna Kea is the highest mountain on Earth at 32,696 feet, or 6.2 miles. In comparison, Mt. Everest stands at 29,032 feet tall. In total, the island of Hawaii comprises six volcanoes in total: Mahukona, Kohala, Mauna Kea, Hualalai, Mauna Loa, and Kilauea.

Largely rural, the island of Hawaii can be traversed in two directions: Mauka, which means toward the mountain; and Makai, which means toward the sea. There is a highway encircling the island with another road, known as Saddle Road, that crosses the island’s central region and connects Kona and Hilo, where most of the resident population live.

Many Hawaii Big Island tourists are focused on a visit to Hawaii Volcanoes National Park, which spans Kilauea and Mauna Loa, both of which are known as among the world’s most active volcanoes. Mouna Loa has erupted on average around every six years, and closer to every five years more recently, according to the U.S. Geological Survey, having erupted 33 times since 1843. Most recently, the Kilauea volcano began erupting in September 2021 and was active as of March 2022. The national park itself is a UNESCO World Heritage Site and also is an International Biosphere Reserve.

Among ​​Hawaii Big Island cities and towns, Kailua Kona to the west and Hilo to the east are among the most densely populated areas. Kona is known for its beaches as well as its widely distributed coffee, while Hilo, once a fishing and farming center, later became home to the commercial sugar industry and is now a bustling area featuring museums, shops and restaurants.

The island of Hawaii also is known for its vast array of beaches. Because the island is so large and sparsely populated, there are miles of beach for residents and visitors to enjoy. Among the most unusual Big Island Hawaii beaches is Papakolea Beach, unique because of its green sand, created by silicate crystals washed ashore and gathered into a beach of green.

In addition, Hilo area on the eastern shore of Big Island Hawaii offers Carlsmith Beach Park for swimming and snorkeling; Onekahakaha Beach Park near the Hilo Airport; Leleiwi Beach Park/Richardson Ocean Center; and Honolii Beach Park in close proximity to downtown Hilo. On the south side of the island, visitors enjoy Punaluu Black Sand Beach near Kau. Near Kohala, to the far north, beaches include Anaehoomalu Bay, known for outdoor adventure activities such as kayaking, bodyboarding, snorkeling and scuba diving; Hapuna Beach Park, a vast white sand beach; Holoholokai Beach; Ohaiula/Spencer Beach Park; Waialea; and Kaunaoa Beach. In and around Kona, a wide array of destination beaches include Honaunau Bay near Kailua Village; Kahaluu Beach Park; Laaloa/White Sands Beach Park, also known as “Disappearing Sands” and “Magic Sands;” Kamakahonu Bay; Kekahakai State Park; Kailua Bay; Kohanaiki County Beach Park; and Keauhou Bay. Finally, to the East near Puna, Pohoiki Beach is a new black sand beach resulting from recent volcanic activity.

Did you know? Hawaii state does not mandate in-person counseling. Visit our counseling page for a list of phone-based counseling agencies and conduct your required counseling from the comfort of your home.

Additional Resources:
Reversemortgage.org NRMLA Members in Hawaii:
HUD.gov Approved Lenders Search:

Hawaii County (Big Island) Home Values

According to Zillow estimates, the typical home value in Hawaii County (Island of Hawaii) is $542,818 as of February 2022. Zillow notes that this value is seasonally adjusted and only includes the middle price tier of homes. Also, according to Zillow’s research, home values have gone up 29.9% year-over-year.

These averages mean many homes in Kauai are valued near or under the federal maximum reverse mortgage lending limit of $1,089,300 that applies to all HECM loans. For homes valued at higher price points above this lending limit and access to more borrowing power above this level, there are jumbo reverse mortgage programs available.

If you're a homeowner who fits this description and you're interested in using a reverse mortgage to supplement your retirement, you might want to consider a jumbo reverse mortgage, from which you may be able to access a greater portion of your home equity than you otherwise would with a HUD-backed HECM reverse mortgage.

Reverse mortgages might not be the perfect solution for every homeowner, but depending on your situation, a HECM could be something to consider as you approach your retirement years.

If you reside in Big Island, All Reverse Mortgage, Inc. (ARLO™) is here to answer your questions

Our Exclusive Programs Designed to Fit Your Needs.

All Reverse Mortgage© has consistently brought exclusive offers to our valued Big Island homeowners. Because of our unique process we're able to offer a better federally-insured reverse mortgage with no compromise.

Take a look at some of our program benefits that you won't find elsewhere:

Exclusive 5.81% (6.81% APR) Fixed Rate for Life
Government Insured & Jumbo Proprietary Programs
Flexible Credit Lines from 4.88% with the Industries Lowest Lifetime Rate Exposure
ZERO Origination Fee Options
ZERO Financed Closing Cost Options (*on select jumbo programs)
ZERO Monthly Servicing Fees on ALL programs
*Complete form above to receive a comparison of all available programs. Excludes state taxes when applicable. Min loan amount for $0 origination fee is $100,000. *APR ran at $185,000 loan amount / 60% or less PLF utilization. Lifetime rate cap on all adjustable rate plans just 5% over the start rate.

How can we offer you more favorable terms?

We are a direct lender approved by FHA (Federal Housing Administration)
The HECM is literally all we do. All Reverse Mortgage is not just a name for us. We have a very low (almost non-existent) staff turnover and our people are experts.
We don't work with Brokers, allowing us to pass the savings on to you.
We don't hire "celebrity" spokespersons as we don't believe you should have to pay for a lender's expensive marketing budget with higher loan costs.
We Charge Less! Check out our competition and our customer ratings. We never forget that this loan is about you and your needs and we put you first with superior service and lower costs.

All Reverse vs. the others

It may surprise you but those "celebrities" you see all over TV have some of the worst independent consumer ratings in the industry. Compare us and you will see the crystal clear difference, from customer service to loan terms we never compromise.

HUD approved direct lender.

Working with a local Big Island, HI lender saves you time and money.

As an award-winning direct lender our goal remains simple; to offer you the very best terms accompanied by extraordinary customer service.

What Our Customers Are Saying

"There was no car salesman type of protracted negotiation. All reverse got right down to a good quote without a series of incremental steps."
"I was surprised how easy it was to deal with an out of state company. Actually it was much easier than my previous dealings with local banks and brokers"
"It is a wonderful feeling to have no mortgage and extra cash in our pocket. We are very happy."
"Thank you to All Reverse for handling everything in an efficient and smooth way. Thoroughly appreciate everything you have done to make things easy for me."
"This was the smoothest mortgage process I have ever experienced! And so fast!"

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