Home / Lenders / Reverse Mortgage Lenders, California

Compare California's Best Reverse Mortgages

Try ARLO™ a revolutionary calculator that offers side-by-side lender comparisons, real-time interest rates and expert recommendations. 100% Free.
Please enter a valid zip code.
Please fill in this field.
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…
‹ Back
‹ Back
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.
Your Age
‹ Back

Great News! Your ARLO™ analysis is ready

Your personalized results include the best of 2023's reverse mortgages
  • Side-by-side loan comparisons
  • Real-time interest rates
  • ARLO™ advice to help you select the right program
We maintain an A+ exemplary rating by the Better Business Bureau with a perfect 5-Star customer review.
Your FREE Report Includes:
  • Real Time Analysis  (Next Step)
  • Analysis Via Email
From America's #1 Rated Reverse Mortgage Lender
Please enter a valid phone number.
Please fill in this field.
By using ARLO™ Calculator and clicking on the “View ARLO Analysis Now” button above, you consent, acknowledge, and agree to the following: Our Terms of Use Agreement, Privacy Policy and to receive important notices and other communications. I consent to being contacted by All Reverse Mortgage® and its partners for marketing purposes at any phone number or email I provide, including through the use of automated technology and prerecorded messages. I represent that I am the regular user of the phone number I provided and provide consent on behalf of all users of that phone number. I also understand consent is not required for purchase and I may opt-out from receiving communications at any time.
‹ Back

Top 10 Reverse Mortgage Lenders in California

Lender Rating Experience Stars (0-5) Good Reviews Complaints BBB
All Reverse Mortgage, Inc. (ARLO) A+ 18 Yrs. 4.98 99% 0 Source
American Advisors Group (AAG) B+ 18 Yrs. 4.6 93% 100 Source
HighTech Lending Inc A+ 16 Yrs. N/A 0% 0 Source
Fairway Independent Mortgage A+ 26 Yrs. 4.97 99% 51 Source
Finance of America Reverse LLC (FAR) A+ 19 Yrs. 2.0 40% 12 Source
Liberty Home Equity Solutions Inc. A+ 19 Yrs. 2.00 40% 2 Source
Longbridge Financial LLC A+ 10 Yrs. 3.98 79% 14 Source
Mutual of Omaha Mortgage A+ 9 Yrs. 4.86 97% 47 Source
Open Mortgage LLC A+ 19 Yrs. 2.36 47% 1 Source
Reverse Mortgage Funding LLC A+ 10 Yrs. 4.23 84% 28 Source
Reviews Updated: 3/4/2023
The BBB is one of the last review sites that does not accept monetary influence in their ratings or posted reviews.

All Reverse Mortgage, Inc. (ARLO™) is proud to be California's #1 Rated Reverse Mortgage Lender celebrating 18 Years of excellence. We are the only FL company awarded an A+ Rating by the BBB with perfect 5-Star Reviews.  

Since we started in 2004, our goal has remained simple: to offer the best terms with unbeatable customer service.

We are HUD Approved and offer a full suite of HECM & Jumbo Reverse Mortgages.

Compare our competitive rates and lower costs to any competitor and realize thousands more from your home’s equity!

The difference is clear, and we can’t wait to show you!

California Reverse Mortgage Facts

Top 10 Reverse Mortgage Cities in California by MCA (December 2022)

Los Angeles
San Diego
Huntington Beach
West Hills
Santa Cruz
StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsLenders in CaliforniaAvg. Home Value
California 1,895,510 4,010 149 $760,800

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 California 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® of California

The owners and management of All Reverse 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 as well. Jumbo or proprietary programs typically offer much lower Principal Limits as they relate to values though 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 the mortgage of last resort.

Everything from the elimination of existing mortgage payments to the line of credit 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 as well.

California Lending Limits

California, also known by its nickname “the Golden State,” is the most populous state in the Union with an estimated population of 39,512,223 as of 2019. 1,895,510 of those people are homeowners aged 62 and older. That means that nearly two million people living within California may be eligible to expand their financial prospects by employing their home’s equity with a reverse mortgage.

As of January 2023, the median home value in California is $760,800, which is lower than the HECM reverse mortgage lending limit of $1,089,300.

The territory now known as California had an indigenous population of as many as 100,000-300,000 people, before its settlement by Spanish explorers in the 1540s. For the next two centuries, California would be home to many travelers and settlers including English explorer Sir Francis Drake, and other explorers hailing from he likes of the Philippines and Russia.

In 1821, the Mexican War of Independence resulted in Mexico’s liberation from Spain, though a generally unstable government in the new nation resulted in a series of armed disputes internally as well as with the central Mexican government. Influential California rancher John Marsh took up an effort to try and get California incorporated into the United States due to an issue with the Mexican government, and a letter-writing campaign spearheaded by Marsh led to an influx of travelers on wagon trains who aimed to witness all the benefits that Marsh wrote about in his letters.

Marsh invited immigrants to stay on his ranch until they could get settled in the area, while also assisting in their efforts to obtain passports. In 1846, the Mexican-American War led to American occupation of the California territory, and a resulting 1847 treaty brought the land under the control of the United States.

There is the misconception that all parts of California offer a warm climate. Actually, due to its massive size, the state’s climate ranges from rainforest-like moisture to temperatures cold enough to produce snow up in the mountains.

Some popular areas include the Sierra Nevada mountain range, the Mojave Desert, Yosemite National Park, Mount Shasta, Big Sur and Redwood National Park.

The range in climate makes the state very appealing to people who may want to live on the beach, but want to be able to easily get to snow-capped mountains by driving a relatively short distance.

Some of the largest cities in California include Los Angeles, San Diego, San Jose, San Francisco and Fresno. Los Angeles is widely known across the world for its proximity to Hollywood, the home territory of the sprawling American entertainment industry and many of its major film and television studios including Warner Bros., Paramount Pictures, The Walt Disney Company and Universal Studios.

California also has a vibrant and varied tradition in the realm of sports.. Some of the teams that represent the state include NFL teams like the Los Angeles Rams and the Oakland Raiders,, MLB baseball teams like the San Francisco Giants and Los Angeles Angels, and the Los Angeles Kings NHL hockey team.

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

Other Areas of Interest in California

California Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneWebsiteAgency IDLanguages
BALANCE CONCORD800-777-7526www.balancepro.org90199English
PROJECT SENTINEL408-470-3730housing.org81203English
INLAND FAIR HOUSING AND MEDIATION BOARD909-984-2254www.ifhmb.com80034English
CREDIT.ORG - RIVERSIDE800-947-3752www.credit.org84701English
NAVICORE SOLUTIONS- SAN DIEGO, CA619-296-4700www.navicoresolutions.org84874English
CCCS OF SAN FRANCISCO800-808-4327www.balancepro.org80646- Cantonese
- English
- Russian
- Spanish
CCCS OF SAN FRANCISCO800-777-7526www.balancepro.org81721- Cantonese
- English
- Other
- Russian
- Spanish
GUIDEWELL FINANCIAL SOLUTIONS, WEST COVINA323-637-0847www.guidewellfs.org90360English

Did you know? California state does not mandate in-person counsleing. 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:

Our Exclusive Programs Designed to Fit Your Needs

All Reverse Mortgage© has consistently brought exclusive offers to our valued San Jose 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 6.680% (8.094% APR) Fixed Rate for Life
Government Insured & Jumbo Proprietary Programs
Flexible Credit Lines 6.67% (2.00 Margin) 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 $200,000. *APR ran at $200,000 loan amount / 60% or less PLF utilization. Lifetime rate cap on all adjustable rate plans just 5% over the start rate.

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!"

Browse Hundreds More...

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.
California Reverse Mortgages
(64 votes, average: 4.83 out of 5)
Click Here to Rate This Page
Close Menu