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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Reverse Mortgage Calculator
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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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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!

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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.
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Your personalized results include the best of 2024's reverse mortgages
  • Side-by-side loan comparisons
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  • ARLO™ advice to help you select the right program
BBB A+ logo 2021 BBB Torch Award Finalist
We maintain an A+ exemplary rating by the Better Business Bureau with a perfect 5-Star customer review.
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From America's #1 Rated Reverse Mortgage Lender

Top 10 Reverse Mortgage Lenders in California

Lender Rating Years in Business Stars (0-5) Good Review % Complaints BBB
All Reverse Mortgage, Inc. (ARLO) A+ 20 4.9/5 99% 0 Source
Advisors Mortgage Group A+ 24 1.6/5 33% 5 Source
American Advisors Group (AAG) A 19 4.7/5 95% 73 Source
American Pacific Mortgage F 28 1.5/5 30% 16 Source
Ennkar Inc. A+ 13 3.6/5 73% 3 Source
Fairway Independent Mortgage A+ 28 4.8/5 96% 45 Source
Finance of America Reverse LLC (FAR) A+ 20 1/5 20% 19 Source
GoodLife Home Loans A+ 11 4.4/5 88% 0 Source
Guild Mortgage Company (Formerly Cherry Creek LLC) A+ 63 1.3/5 26% 42 Source
HighTechLending Inc A+ 18 4.9/5 98% 0 Source
Liberty Home Equity Solutions Inc. A+ 20 1.00/5 20% 3 Source
Longbridge Financial LLC A+ 11 4.0/5 80% 16 Source
Mid America Mortgage Inc. A+ 65 3.0/5 60% 0 Source
Moneyhouse NA NA NA NA 0 Source
Movement Mortgage, LLC A+ 16 4.7/5 95% 111 Source
Mutual of Omaha Mortgage A+ 11 4.8/5 96% 56 Source
Open Mortgage LLC A+ 21 2.7/5 54% 21 Source
Plaza Home Mortgage Inc A+ 23 2.1/5 42% 24 Source
Smartfi Home Loans A+ 5 NA NA 0 Source
South River Mortgage, LLC A+ 5 2.4/5 49% 14 Source
Reviews Updated: 6/17/24
The BBB is one of the last review sites that does not accept monetary influence in their ratings or posted reviews.

All Reverse Mortgage, Inc. (ARLO™) is proud to be California's #1 Rated Reverse Mortgage Lender, celebrating 19 Years of excellence. We are the only CA company awarded an A+ Rating by the BBB with perfect 5-Star Reviews. 

Since we started in 2004, our goal has remained simple: to offer the best terms with unbeatable customer service. We are HUD Approved and offer a full suite of HECM & Jumbo Reverse Mortgages.

Compare our competitive rates and lower costs to any competitor and realize thousands more from your home's equity!

The difference is clear, and we can't wait to show you!

California Reverse Mortgage Facts

Top 10 Reverse Mortgage Cities in California by MCA (January 2024)

Los Angeles
San Diego
Huntington Beach
West Hills
Santa Cruz
StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsLenders in CaliforniaAvg. Home Value
California 1,895,510 5,469 149 $793,600

Data shown includes all cases with beginning endorsement date between January 01, 2023 and December 31, 2023

HUD Approved Direct Lender

california reverse mortgage lender map

All Reverse Mortgage, Inc. (ARLO™) is approved by 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, Inc. (ARLO™) 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 payments, utilize their equity for other purposes if they have no existing loan, or possibly a combination of both.

About All Reverse Mortgage® of California

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. As such, we have extensive experience in jumbo or proprietary loan programs.

We are always looking for new products to offer borrowers of high-valued homes in the higher home-priced markets that the HUD HECM may not serve as well. Jumbo or proprietary programs typically offer much lower Principal Limits related to values, though, so not all borrowers are better served with the jumbo programs.

Only a seasoned originator can readily inform borrowers which program will best suit their needs and their positives and negatives 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 an excellent financial tool. 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 makes 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 as well.

All Reverse Mortgage, Inc. is licensed by California's Department of Financial Protection & Innovation under Residential Mortgage Lending Act License License/Registration #: 4131229, as well as well as the California Department of Real-Estate, License/Registration #: 01460013.

California Lending Limits

california lending limits

California, also known as "the Golden State," is the most populous state in the Union, with an estimated population of 39,512,223 as of 2019. 1,895,510 of those people are homeowners aged 62 and older. That means nearly two million people living in California may be eligible to expand their financial prospects by employing their home's equity with a reverse mortgage.

As of January 2024, the median home value in California is $859,800, which is lower than the HECM reverse mortgage lending limit of $1,149,825. The territory now known as California had an indigenous population of as many as 100,000-300,000 people before its settlement by Spanish explorers in the 1540s. California would be home to many travelers and settlers for the next two centuries, including English explorer Sir Francis Drake and other explorers from the Philippines and Russia.

In 1821, the Mexican War of Independence resulted in Mexico's liberation from Spain. However, a generally unstable government in the new nation resulted in a series of armed disputes internally as well as with the central Mexican government.  

Influential California rancher John Marsh tried to get California incorporated into the United States due to an issue with the Mexican government. A letter-writing campaign spearheaded by Marsh led to an influx of travelers on wagon trains who aimed to witness all the benefits Marsh wrote about in his letters.

Marsh invited immigrants to stay on his ranch until they could get settled in the area while also assisting in their efforts to obtain passports. In 1846, the Mexican-American War led to the American occupation of the California territory, and a resulting 1847 treaty brought the land under the control of the United States.

There is the misconception that all parts of California offer a warm climate. Due to its massive size, the state's climate ranges from rainforest-like moisture to temperatures cold enough to produce snow up 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 want to quickly get to snow-capped mountains by driving a relatively short distance.

Some of the largest cities in California include Los Angeles, San Diego, San Jose, San Francisco, and Fresno. Los Angeles is widely known worldwide for its proximity to Hollywood, the home territory of the sprawling American entertainment industry, and many of its major film and television studios, including Warner Bros., Paramount Pictures, The Walt Disney Company, and Universal Studios.

California also has a vibrant and varied tradition in the realm of sports. Some teams representing the state include NFL teams like the Los Angeles Rams and the Oakland Raiders, MLB baseball teams like the San Francisco Giants and Los Angeles Angels, and the Los Angeles Kings NHL hockey team.

If you reside in California, All Reverse Mortgage, Inc. (ARLO™) is here to answer your questions.

Other Areas of Interest in California

California Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneWebsiteAgency IDLanguages
BALANCE CONCORD800-777-7526www.balancepro.org90199English
PROJECT SENTINEL408-470-3730housing.org81203English
INLAND FAIR HOUSING AND MEDIATION BOARD909-984-2254www.ifhmb.com80034English
CREDIT.ORG - RIVERSIDE800-947-3752www.credit.org84701English
NAVICORE SOLUTIONS- SAN DIEGO, CA619-296-4700www.navicoresolutions.org84874English
CCCS OF SAN FRANCISCO800-808-4327www.balancepro.org80646- Cantonese
- English
- Russian
- Spanish
CCCS OF SAN FRANCISCO800-777-7526www.balancepro.org81721- Cantonese
- English
- Other
- Russian
- Spanish
GUIDEWELL FINANCIAL SOLUTIONS, WEST COVINA323-637-0847www.guidewellfs.org90360English

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.

Additional Resources:
California Reverse Mortgages
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