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

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ARLO

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In your current area 100 homeowners are currently utilizing reverse mortgages to better enhance their retirement years, with 500,000 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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Great! It looks like your home value estimate is about

If you feel this estimate is not correct you can manually change it below. If you 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!

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

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
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Your personalized results include the best of 2024's reverse mortgages
  • Side-by-side loan comparisons
  • Real-time interest rates
  • ARLO™ advice to help you select the right program
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We maintain an A+ exemplary rating by the Better Business Bureau with a perfect 5-Star customer review.
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Your FREE Report Includes:
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From America's #1 Rated Reverse Mortgage Lender

Experience Excellence with California’s Top Reverse Mortgage Lender

At All Reverse Mortgage, Inc. (ARLO™), we’re proud to be California’s #1 Rated Reverse Mortgage Lender, 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 with 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 2024)
StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsLenders in CaliforniaAvg. Home Value
California1,895,5105,46961$793,600

Top 20 Reverse Mortgage Lenders in California

LenderRatingYears in BusinessStars (0-5)Good Review %ComplaintsBBB Review
All Reverse Mortgage, Inc. (ARLO)A+204.99/599.8%0Source
Advisors Mortgage GroupA+241.80/536.0%5Source
American Advisors Group (AAG)A194.70/594.0%61Source
American Pacific MortgageF281.75/535.0%13Source
Ennkar Inc.A+144.00/580.0%3Source
Fairway Independent MortgageA+284.35/587.0%38Source
Finance of America Reverse LLC (FAR)A+201.00/520.0%21Source
GoodLife Home LoansA+124.43/588.6%0Source
Guild Mortgage Company (Formerly Cherry Creek LLC)A+641.36/527.2%40Source
HighTechLending IncA+184.93/598.6%0Source
Liberty Home Equity Solutions Inc.A+211.00/520.0%3Source
Longbridge Financial LLCA+123.92/578.4%17Source
Mid America Mortgage Inc.A+653.00/560.0%0Source
MoneyhouseNRNANANA0Source
Movement Mortgage, LLCA+174.80/595.6%110Source
Mutual of Omaha MortgageA+114.71/594.2%50Source
Open Mortgage LLCA+212.60/552.0%1Source
Plaza Home Mortgage IncA+232.29/545.8%18Source
Smartfi Home LoansA+5NANA0Source
South River Mortgage, LLCA+52.62/552.4%15Source
Top 20 HECM lenders reported by https://www.rminsight.net/wp-content/uploads/2024/06/Lenders_202405.pdf. (Reviews Updated: September 15, 2024).

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), commonly known as a reverse mortgage. Since our founding, we’ve been dedicated to helping California homeowners unlock the value of their homes.

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 through the process. Our team was instrumental in developing the first fixed-rate jumbo reverse mortgage in 2008, giving us unparalleled experience in these specialized loan programs.

We understand that every homeowner’s situation is unique. That’s why we offer a range of options, including jumbo and proprietary loans for those in higher-value markets. However, it’s important to know that jumbo programs often have lower Principal Limits, so they may not be the best fit for everyone. Our seasoned experts will help you understand the pros and cons of each option so you can make the decision that’s right for you.

Across the country, homeowners aged 62 and above are discovering the benefits of reverse mortgages—not just as a last resort but as a strategic tool to enhance their retirement. From eliminating monthly mortgage payments to establishing a line of credit that grows over time, reverse mortgages allow you to 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 $1,149,825. 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.

California Approved Reverse Mortgage Counseling Agencies

NameAgency IDAddressPhoneWeb Site
BALANCE - CONCORD90242SUITE 1300
1655 GRANT ST
CONCORD, CA 94520-2600
(800) 777-7526https://www.balancepro.org/
BALANCE - SAN FRANCISCO806463543 18TH ST
SAN FRANCISCO, CA 94110-1683
(800) 777-7526https://www.balancepro.org/
CREDIT.ORG827221450 IOWA AVE STE 200
RIVERSIDE, CA 92507-0508
(866) 896-7965https://credit.org/
CREDIT.ORG - HEMET810051555 W FLORIDA AVE
HEMET, CA 92543-3814
(855) 736-7782https://www.credit.org/
CREDIT.ORG - RIVERSIDE847011450 IOWA AVE STE 200
RIVERSIDE, CA 92507-0508
(800) 947-3752https://www.credit.org/
GREENPATH FINANCIAL WELLNESS90351SUITE 130
1561 E ORANGETHORPE AVE
FULLERTON, CA 92831-5217
(888) 860-4167http://www.greenpath.org
INLAND FAIR HOUSING AND MEDIATION BOARD80034BUILDING D, SUITE 2
3175 SEDONA CT
ONTARIO, CA 91764-6560
(800) 321-0911http://www.ifhmb.com
MONEY MANAGEMENT INTERNATIONAL - WEST COVINA, CA90360SUITE 225
1050 LAKES DR
WEST COVINA, CA 91790-2924
(800) 642-2227http://www.cccsmd.org
NAVICORE SOLUTIONS- SAN DIEGO, CA84874SUITE 206
1111 6TH AVE
SAN DIEGO, CA 92101-5209
(866) 472-4557http://www.navicoresolutions.org
NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES, INC.811109551 PITTSBURGH AVE
RANCHO CUCAMONGA, CA 91730-6008
(909) 988-5979http://nphs.info
NEIGHBORWORKS ORANGE COUNTY816051748 W KATELLA AVE STE 202
ORANGE, CA 92867-3430
(714) 490-1250https://www.nwoc.org
NID-HCA RIVERSIDE/SAN BERNARDINO COUNTIES9044923945 SUNNYMEAD BLVD
MORENO VALLEY, CA 92553-3025
(951) 399-4538https://www.nidhousing.com
PROJECT SENTINEL818001490 EL CAMINO REAL
SANTA CLARA, CA 95050-4609
(408) 720-9888http://housing.org
PROJECT SENTINEL81203554 VALLEY WAY
MILPITAS, CA 95035-4106
(408) 470-3730http://www.housing.org
VENTURA COUNTY COMMUNITY DEVELOPMENT CORPORATON840582231 STURGIS RD UNIT A
OXNARD, CA 93030-7813
(805) 273-7800http://www.vccdc.org

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

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 19 years to reverse mortgages exclusively.
California Reverse Mortgages
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