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 Facts
Top 10 Reverse Mortgage Cities in California |
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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) |
State | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in California | Avg. Home Value |
---|---|---|---|---|
California | 1,895,510 | 5,469 | 61 | $793,600 |
Top 20 Reverse Mortgage Lenders in California
Lender | Rating | Years in Business | Stars (0-5) | Good Review % | Complaints | BBB Review |
---|---|---|---|---|---|---|
All Reverse Mortgage, Inc. (ARLO) | A+ | 20 | 4.99/5 | 99.8% | 0 | Source |
Advisors Mortgage Group | A+ | 24 | 1.80/5 | 36.0% | 5 | Source |
American Advisors Group (AAG) | A | 19 | 4.70/5 | 94.0% | 61 | Source |
American Pacific Mortgage | F | 28 | 1.75/5 | 35.0% | 13 | Source |
Ennkar Inc. | A+ | 14 | 4.00/5 | 80.0% | 3 | Source |
Fairway Independent Mortgage | A+ | 28 | 4.35/5 | 87.0% | 38 | Source |
Finance of America Reverse LLC (FAR) | A+ | 20 | 1.00/5 | 20.0% | 21 | Source |
GoodLife Home Loans | A+ | 12 | 4.43/5 | 88.6% | 0 | Source |
Guild Mortgage Company (Formerly Cherry Creek LLC) | A+ | 64 | 1.36/5 | 27.2% | 40 | Source |
HighTechLending Inc | A+ | 18 | 4.93/5 | 98.6% | 0 | Source |
Liberty Home Equity Solutions Inc. | A+ | 21 | 1.00/5 | 20.0% | 3 | Source |
Longbridge Financial LLC | A+ | 12 | 3.92/5 | 78.4% | 17 | Source |
Mid America Mortgage Inc. | A+ | 65 | 3.00/5 | 60.0% | 0 | Source |
Moneyhouse | NR | NA | NA | NA | 0 | Source |
Movement Mortgage, LLC | A+ | 17 | 4.80/5 | 95.6% | 110 | Source |
Mutual of Omaha Mortgage | A+ | 11 | 4.71/5 | 94.2% | 50 | Source |
Open Mortgage LLC | A+ | 21 | 2.60/5 | 52.0% | 1 | Source |
Plaza Home Mortgage Inc | A+ | 23 | 2.29/5 | 45.8% | 18 | Source |
Smartfi Home Loans | A+ | 5 | NA | NA | 0 | Source |
South River Mortgage, LLC | A+ | 5 | 2.62/5 | 52.4% | 15 | Source |
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
Name | Agency ID | Address | Phone | Web Site |
---|---|---|---|---|
BALANCE - CONCORD | 90242 | SUITE 1300 1655 GRANT ST CONCORD, CA 94520-2600 | (800) 777-7526 | https://www.balancepro.org/ |
BALANCE - SAN FRANCISCO | 80646 | 3543 18TH ST SAN FRANCISCO, CA 94110-1683 | (800) 777-7526 | https://www.balancepro.org/ |
CREDIT.ORG | 82722 | 1450 IOWA AVE STE 200 RIVERSIDE, CA 92507-0508 | (866) 896-7965 | https://credit.org/ |
CREDIT.ORG - HEMET | 81005 | 1555 W FLORIDA AVE HEMET, CA 92543-3814 | (855) 736-7782 | https://www.credit.org/ |
CREDIT.ORG - RIVERSIDE | 84701 | 1450 IOWA AVE STE 200 RIVERSIDE, CA 92507-0508 | (800) 947-3752 | https://www.credit.org/ |
GREENPATH FINANCIAL WELLNESS | 90351 | SUITE 130 1561 E ORANGETHORPE AVE FULLERTON, CA 92831-5217 | (888) 860-4167 | http://www.greenpath.org |
INLAND FAIR HOUSING AND MEDIATION BOARD | 80034 | BUILDING D, SUITE 2 3175 SEDONA CT ONTARIO, CA 91764-6560 | (800) 321-0911 | http://www.ifhmb.com |
MONEY MANAGEMENT INTERNATIONAL - WEST COVINA, CA | 90360 | SUITE 225 1050 LAKES DR WEST COVINA, CA 91790-2924 | (800) 642-2227 | http://www.cccsmd.org |
NAVICORE SOLUTIONS- SAN DIEGO, CA | 84874 | SUITE 206 1111 6TH AVE SAN DIEGO, CA 92101-5209 | (866) 472-4557 | http://www.navicoresolutions.org |
NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES, INC. | 81110 | 9551 PITTSBURGH AVE RANCHO CUCAMONGA, CA 91730-6008 | (909) 988-5979 | http://nphs.info |
NEIGHBORWORKS ORANGE COUNTY | 81605 | 1748 W KATELLA AVE STE 202 ORANGE, CA 92867-3430 | (714) 490-1250 | https://www.nwoc.org |
NID-HCA RIVERSIDE/SAN BERNARDINO COUNTIES | 90449 | 23945 SUNNYMEAD BLVD MORENO VALLEY, CA 92553-3025 | (951) 399-4538 | https://www.nidhousing.com |
PROJECT SENTINEL | 81800 | 1490 EL CAMINO REAL SANTA CLARA, CA 95050-4609 | (408) 720-9888 | http://housing.org |
PROJECT SENTINEL | 81203 | 554 VALLEY WAY MILPITAS, CA 95035-4106 | (408) 470-3730 | http://www.housing.org |
VENTURA COUNTY COMMUNITY DEVELOPMENT CORPORATON | 84058 | 2231 STURGIS RD UNIT A OXNARD, CA 93030-7813 | (805) 273-7800 | http://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
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