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California Reverse Mortgage Lenders
All Reverse Mortgage® is a HUD approved lender working directly with homeowners through all of California. All Reverse began in November 2007 and as the name implies, the only loan product that All Reverse Mortgage® originates is the federally-insured home equity conversion mortgage.
For over a decade we have been offering our reverse mortgages to CA homeowners and maintain an Exemplary A+ Rating by the BBB.
We are proud to have become California's #1 rated reverse mortgage lender with a perfect 5.0-5.0 star rating.
California Reverse Mortgage Facts
| State | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Purchase Reverse Mortgages Closed Last 12 Months | Lenders in California | Avg. Home Value |
| California | 2,538,456 | 11,069 | 423 | 923 | $458,233 |
HUD Approved Direct Lender
All Reverse Mortgage® 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® 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®
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 lower Principal Limits as they relate to home values, though, so not all borrowers are best served with the jumbo programs available.
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 for the future as well.
California Lending Limits
As the most populous state in the country with more than 39 million residents, California is well known for its diverse population—and geography. There are mountains in the east, forests in the northwest, deserts in the southeast and miles upon miles of agricultural land in the center of the state.
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 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 can easily get to snow capped mountains within a short distance.
For people interested in retiring to California, it may be a good choice if a reverse mortgage is in the cards as the average home value of the state is $485,800, which is under the HECM lending limit of $679,650
Some of the largest cities in California include Los Angeles, San Diego, San Jose, San Francisco and Fresno. Los Angeles is most popularly know as the location of Hollywood film studios and of course, the famous Hollywood sign.
In addition, California has numerous sports teams. Some of the teams that represent the state include the Los Angeles Rams football team, the Oakland Raiders football team, the San Francisco Giants baseball team and the Los Angeles Kings hockey team.
If you reside in California, All Reverse Mortgage® is here to answer your questions. Call Toll Free (800) 565-1722 – Or try ARLO™ our revolutionary reverse mortgage calculator that offers side-by-side program comparisons, real-time interest rates and expert recommendations.
Other Areas of Interest in California
California Reverse Mortgage HUD Approved Counseling Agencies
| Agency Name | Phone, Toll-Free, Fax Number, Email, Website, Agency ID |
Address | Languages | Parent Organization |
| BALANCE CONCORD | Phone: 800-808-4327 Fax: 415-777-4030 Website:https://www.balancepro.org/ Agency ID: 90242 |
1655 Grant St Suite 1300 Concord, California 94520-2600 |
- Cantonese - English - Other - Russian - Spanish |
CONSUMER CREDIT COUNSELING SERVICES OF SAN FRANCISCO D/B/A BALANCE |
| CONSUMER CREDIT COUNSELING SERVICES OF SAN FRANCISCO D/B/A BALANCE | Phone: 888-456-2227 Toll-free: 800-777-7526 Website: www.balancepro.org Agency ID: 90199 |
1655 Grant Street Suite 1300 CONCORD, California 94520-2600 |
- English - Other - Russian - Spanish |
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| PROJECT SENTINEL | Phone: 408-470-3730 Fax: 408-648-2950 Website: housing.org/ Agency ID: 81203 |
554 Valley Way Milpitas, California 95035-4106 |
- Cantonese - Chinese Mandarin - English - French - Other - Spanish - Vietnamese |
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| INLAND FAIR HOUSING AND MEDIATION BOARD | Phone: 909-984-2254 Toll-free: 800-321-0911 Fax: 909-460-0274 Website: www.ifhmb.com Agency ID: 80034 |
1500 S Haven Ave Ste 100 Ontario, California 91761-2970 |
- English - Spanish |
RURAL COMMUNITY ASSISTANCE CORPORATION |
| CREDIT.ORG - RIVERSIDE | Phone: 800-947-3752 Fax: 951-328-7728 Website: www.credit.org Agency ID: 84701 |
4351 Latham St Riverside, California 92501-1749 |
- English - Other - Spanish |
HOMEOWNERSHIP PRESERVATION FOUNDATION |
| NAVICORE SOLUTIONS- SAN DIEGO, CA | Phone: 619-296-4700 Toll-free: 866-472-4557 Fax: 732-863-5052 Website: www.navicoresolutions.org Agency ID: 84874 |
3530 Camino Del Rio N Suite 110 San Diego, California 92108-1743 |
- English - Spanish |
GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NAVICORE SOLUTIONS |
| CCCS OF SAN FRANCISCO | Phone: 800-808-4327 Fax: 415-777-4030 Website:https://www.balancepro.org/ Agency ID: 80646 |
1390 Market Street, Suite 200 SAN FRANCISCO, California 94102-5404 |
- Cantonese - English - Other - Russian - Spanish |
CONSUMER CREDIT COUNSELING SERVICES OF SAN FRANCISCO D/B/A BALANCE |
| CCCS OF SAN FRANCISCO | Phone: 800-777-7526 Fax: 415-788-0739 Website:https://www.balancepro.org/ Agency ID: 81721 |
3033 Cleveland Ave Suite #101 Santa Rosa, CA 95403 Santa Rosa, California 95403-2126 |
- Cantonese - English - Other - Russian - Spanish |
CONSUMER CREDIT COUNSELING SERVICES OF SAN FRANCISCO D/B/A BALANCE |
| GUIDEWELL FINANCIAL SOLUTIONS, WEST COVINA | Phone: 323-637-0847 Toll-free: 410-747-2050 Fax: 410-747-2005 Website: www.guidewellfs.org Agency ID: 90360 |
1050 Lakes Dr suite 225 West Covina, California 91790-2924 |
- English - Spanish |
GUIDEWELL FINANCIAL SOLUTIONS, INC |
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.
Our Exclusive Programs Designed to Fit Your Needs.
All Reverse Mortgage© has consistently brought exclusive offers to our valued California homeowners. Because of our unique process we're able to offer a better federally-insured reverse mortgage with no compromise.
Take a look at some of our program benefits that you won't find elsewhere:
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Exclusive 4.25% (5.95% APR) Fixed Rate for Life |
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Government Insured & Jumbo Proprietary Programs |
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Flexible Credit Lines from 2.98% with the Industries Lowest Lifetime Rate Exposure |
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ZERO Origination Fee Plans |
| ZERO Financed Closing Cost Plans |
| ZERO Monthly Servicing Fees on ALL programs |
How can we offer you more favorable terms?
We are a direct lender approved by FHA (Federal Housing Administration) The HECM is literally all we do. All Reverse Mortgage is not just a name for us. We have a very low (almost non-existent) staff turnover and our people are experts. We don't work with Brokers, allowing us to pass the savings on to you. We don't hire "celebrity" spokespersons as we don't believe you should have to pay for a lender's expensive marketing budget with higher loan costs. We Charge Less! Check out our competition and our customer ratings. We never forget that this loan is about you and your needs and we put you first with superior service and lower costs.All Reverse vs. the others
HUD approved california direct lender.
Working with a local California lender saves you time and money.
As an award-winning direct lender our goal remains simple; to offer you the very best terms accompanied by extraordinary customer service.
What Our Customers Are Saying
 "There was no car salesman type of protracted negotiation. All reverse got right down to a good quote without a series of incremental steps." |
| "I was surprised how easy it was to deal with an out of state company. Actually it was much easier than my previous dealings with local banks and brokers" |
| "It is a wonderful feeling to have no mortgage and extra cash in our pocket. We are very happy." |
| "Thank you to All Reverse for handling everything in an efficient and smooth way. Thoroughly appreciate everything you have done to make things easy for me." |
| "This was the smoothest mortgage process I have ever experienced! And so fast!" |
(47 votes, average:
4.94
out of 5)