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

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, 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

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.

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