California's #1 Reverse Mortgage

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 Facts

Top 20 Reverse Mortgage Lenders in California

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.

California Approved Reverse Mortgage Counseling Agencies

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:

• NRMLA Members in California
• HUD.GOV Approved Lenders Search