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Compare California's Best Reverse Mortgages
Compare California's Best Reverse Mortgages
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California's #1 Rated Reverse Mortgage

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Let’s find out how a reverse mortgage can work for you. Over 500,000 homeowners nationwide - and 100 in your area are already enjoying more financial security in retirement!

Your home’s value is key to unlocking your reverse mortgage funds. I’ll use it - along with your age and current rates - to estimate what you could receive. Don’t worry, this is just a starting point!
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Great! It looks like your home value estimate is about

I used an online estimate for this value, but you’re in control - tweak it if it’s off! (A HUD-approved appraisal will confirm everything later.) Adding your mortgage balance helps me show you how much extra cash you could free up by eliminating that payment.

Please provide your estimated home value

If you presently have an existing mortgage balance, I'll need to know the amount we are going to pay off to get rid of that mortgage payment!
(Our calculations use estimated property values provided by Estated.com. An independent HUD-approved appraiser must complete an appraisal to finalize your loan)
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The minimum qualifying age for a reverse mortgage is 55

You qualify at 55 or older, and your age determines your loan amount. Include your spouse’s age (even if under 55) since we base proceeds on the youngest partner - it’s all about maximizing your benefits!
Your Age
Spouse Age
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I’m ARLO, here with my best product recommendations and expert tips tailored for you. Just share your email and phone, and I’ll send your personalized analysis securely - 100% free, with no obligation!

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  • ARLO’s Top 2025 Reverse Mortgage Picks
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2021 BBB Torch Award Finalist
Best Reverse Mortgage Lender
Best Reverse Mortgage Website
Best Reverse Mortgage Website
Michael G. Branson Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in the mortgage banking industry. He has devoted the past 20 years to reverse mortgages exclusively. (License: NMLS# 14040)
Cliff Auerswald All Reverse Mortgage's editing process includes rigorous fact-checking led by industry experts to ensure all content is accurate and current. This article has been reviewed, edited, and fact-checked by Cliff Auerswald, President and co-creator of ARLO™. (License: NMLS# 14041)
Michael G. Branson Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in the mortgage banking industry. He has devoted the past 20 years to reverse mortgages exclusively. (License: NMLS# 14040)
Cliff Auerswald All Reverse Mortgage's editing process includes rigorous fact-checking led by industry experts to ensure all content is accurate and current. This article has been reviewed, edited, and fact-checked by Cliff Auerswald, President and co-creator of ARLO™. (License: NMLS# 14041)

California Reverse Mortgages

At All Reverse Mortgage, Inc. (ARLO™), we’re proud to be California’s #1 Rated Reverse Mortgage, with 20 years of dedicated service. Thanks to our commitment to offering the best terms and outstanding customer service, we’ve earned an A+ rating from the Better Business Bureau and perfect 5-star Reviews.

Since 2004, our mission has been to provide California homeowners peace of mind through our HUD-Approved HECM & Jumbo Reverse Mortgages. We’re here to help you maximize your home’s equity with competitive rates and lower costs.

Let us show you the difference our experience can make—we look forward to guiding you every step of the way!

california reverse mortgage lender map

California Reverse Mortgage Facts

Top 10 Reverse Mortgage Cities in California
1   Los Angeles
2   San Diego
3   Huntington Beach
4   Sacramento
5   West Hills
6   Oceanside
7   Santa Cruz
8   Carlsbad
9   Westminster
10   Sylmar

Data by MCA (January 2025)

Latest California Reverse Mortgage Statistics

StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsLenders in CaliforniaMedian Home Value
California5.79 Million4,73292$773,263
HECM Data source: https://entp.hud.gov/sfnw/public/
Loan Type: HECM Standard Loans Originated in California
Performance Period: Loans endorsed between January 1, 2024, and December 31, 2024
Note: Includes all HECM Standard cases within the specified endorsement period.

Top 20 Reverse Mortgage Lenders in California

LenderBBB RatingYears in BusinessStar Rating (0–5)Good Review %ComplaintsSource
All Reverse Mortgage, Inc. (ARLO)A+204.99/599.8%0Source
Advisors Mortgage GroupA+251.00/520.0%6Source
Atlantic Avenue Mortgage LLCB+24.94/598.8%2Source
American Pacific MortgageF282.00/540.0%11Source
Ennkar Inc.A+144.00/580.0%2Source
Fairway Independent MortgageA+284.39/587.8%31Source
Finance of America Reverse LLC (FAR)A+211.00/520.0%34Source
GoodLife Home LoansA+125.0/588.6%0Source
Guild Mortgage Company (Formerly Cherry Creek LLC)A+641.36/527.2%31Source
HighTechLending IncA+184.93/598.6%1Source
Liberty Home Equity Solutions Inc.A+211.00/520.0%2Source
Longbridge Financial LLCA+123.67/573.4%21Source
Mid America Mortgage Inc.A+66NANANASource
MoneyhouseNR27NANA0Source
Movement Mortgage, LLCA+174.81/596.2%102Source
Mutual of Omaha MortgageA+111.48/529.6%47Source
Open Mortgage LLCA+223.0/560.0%1Source
Plaza Home Mortgage IncA+243.2/564.0%12Source
Smartfi Home LoansA+5NANA0Source
South River Mortgage, LLCA+53.53/570.6%11Source
Notes:
BBB Rating: Better Business Bureau rating (A+ to F; NR = Not Rated).
Star Rating: Average customer rating out of 5 stars.
Good Review %: Percentage of reviews classified as positive.
Source: Data compiled from national rankings of top 20 HECM (Home Equity Conversion Mortgage) lenders by RMInsight. Reviews updated as of March 13, 2025.
Guild Mortgage Company: Formerly Cherry Creek LLC.

About All Reverse Mortgage of California

All Reverse Mortgage, Inc. (ARLO™) is your trusted partner, approved by the Department of Housing and Urban Development (HUD) to offer the Home Equity Conversion Mortgage (HECM), also known as a reverse mortgage. Since our start, we’ve been dedicated to helping California homeowners unlock the value of their homes and enjoy a more secure retirement.

Whether you’re looking to pay off an existing loan and eliminate monthly mortgage payments, access your home’s equity for other needs, or a combination of both, we’re here to guide you every step of the way. In fact, our team played a key role in developing the first fixed-rate jumbo reverse mortgage in 2008, giving us unmatched expertise in these unique loan programs.

We know that every homeowner’s situation is unique. That’s why we offer a variety of options, including jumbo and proprietary loans for those in higher-value markets. Keep in mind, though, that jumbo loans often come with lower Principal Limits, which means they might not be the best fit for everyone. Our experienced team will walk you through the pros and cons, so you can make the right decision for your needs.

Across California and the U.S., homeowners aged 62 and older are discovering reverse mortgages as a smart retirement strategy—not just a last resort. From eliminating monthly mortgage payments to setting up a line of credit that grows over time, reverse mortgages help you stay comfortably in your home while planning for the future.

All Reverse Mortgage, Inc. is fully licensed by California’s Department of Financial Protection & Innovation under Residential Mortgage Lending Act License #4131229 and the California Department of Real-Estate, License #01460013.

California Reverse Mortgage Lending Limits

California, known as “The Golden State,” is the most populous state in the U.S., with nearly 40 million residents. Of these, almost two million are homeowners aged 62 and older, making them eligible for a reverse mortgage to help expand their financial options.

As of January 2024, the median home value in California is $859,800, which is below the HECM reverse mortgage lending limit of $1,209,750. This means many California homeowners can take advantage of a reverse mortgage to tap into their home’s equity.

California’s rich history began with its indigenous peoples and was shaped by explorers from Spain, England, and other nations. In 1847, after the Mexican-American War, California became part of the United States. Today, the state is known for its diverse climate, from the beaches of Southern California to the snow-capped peaks of the Sierra Nevada.

Whether you’re drawn to the natural beauty of Yosemite and Big Sur, the vibrant cities of Los Angeles and San Francisco, or the state’s rich cultural history, California offers something for everyone. And with such diverse climates, from sunny beaches to cool mountain ranges, there’s a place for every lifestyle.

For sports fans, California is home to some of the most famous teams in the country, including the Los Angeles Rams, San Francisco Giants, and the Los Angeles Kings.

If you’re a California homeowner aged 62 or older, All Reverse Mortgage, Inc. (ARLO™) is here to help you explore how a reverse mortgage can fit into your retirement plans. We’re ready to answer any questions you have and guide you through the process.

 

HUD-Approved Reverse Mortgage Counseling Agencies in California

NameAgency IDAddressPhoneWeb Site
BALANCE - CONCORD902421655 Grant St, Concord, California, 94520-2600(800) 777-7526balancepro.org
BALANCE - SAN FRANCISCO806463543 18th St, San Francisco, California, 94110-1683(800) 777-7526balancepro.org
CAROLYN E. WYLIE CENTER FOR CHILDREN, YOUTH906774164 Brockton Ave, Riverside, California, 92501-3400(951) 683-5193wyliecenter.org
CREDIT.ORG - HEMET810051555 W Florida Ave, Hemet, California, 92543-3814(855) 736-7782credit.org
CREDIT.ORG - RIVERSIDE847011450 Iowa Ave Ste 200, Riverside, California, 92507-0508(800) 947-3752credit.org
GREENPATH FINANCIAL WELLNESS903512525 Main St, Irvine, California, 92614-6682(888) 860-4167greenpath.org
INLAND FAIR HOUSING AND MEDIATION BOARD800343175 Sedona Ct Ste D, Ontario, California, 91764-6561(800) 321-0911ifhmb.com
MONEY MANAGEMENT INTERNATIONAL - WEST COVINA, CA903601050 Lakes Dr, West Covina, California, 91790-2924(800) 642-2227moneymanagement.org
NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT807597677 OakPort Street, Suite 1030, 10th Fl, OAKLAND, California, 94621-1929(510) 268-9792nidhousing.com
NAVICORE SOLUTIONS- SAN DIEGO, CA848741111 6th Ave, San Diego, California, 92101-5209(866) 472-4557navicoresolutions.org
NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES, INC.811109551 Pittsburgh Ave, Rancho Cucamonga, California, 91730-6008(909) 988-5979nwoc.org
NEIGHBORWORKS ORANGE COUNTY816051748 W Katella Ave Ste 202, Orange, California, 92867-3430(714) 490-1250nwoc.org
NID-HCA RIVERSIDE/SAN BERNARDINO COUNTIES9044923945 Sunnymead Blvd, MORENO VALLEY, California, 92553-3025(951) 399-4538nidhousing.com
PROJECT SENTINEL81800554 Valley Way, Milpitas, California, 95035-4106(408) 720-9888housing.org
The information presented in this table was obtained from the U.S. Department of Housing and Urban Development (HUD) at https://answers.hud.gov/housingcounseling as of February 23rd, 2025.

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

Other Areas of Interest in California

Alameda County Anaheim Brentwood Carlsbad Contra Costa County Corona Escondido Fontana Fresno Hemet Huntington Beach Indio Irvine Lincoln Long Beach Los Angeles Mission Viejo Modesto Moreno Valley Mount Shasta Murrieta Napa Novato Oakland Oceanside Orange County Palm Desert Palm Springs Riverside Roseville Sacramento San Bernardino County San Diego San Francisco San Jose San Rafael Santa Clara County Santa Clarita Santa Cruz Santa Rosa Sonoma Sun City Sylmar Ventura County West Hills Westminster Whittier

 


Ready to Unlock Your Home’s Equity?

As California’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 Department of Insurance and Financial Institutions (License #0911085), we’re committed to helping you secure the retirement you deserve.

Get Your Free Quote from California’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (800) 565-1722 to speak with a friendly expert today.

 

Additional Resources:

Author Michael Branson
About the Author, Michael G. Branson | Mike@allreverse.com
Michael G. Branson CEO, All Reverse Mortgage, Inc. and moderator of ARLO™ has 45 years of experience in the mortgage banking industry. He has devoted the past 20 years to reverse mortgages exclusively.
California Reverse Mortgages
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