Colorado's #1 Rated Reverse Mortgage

Reverse Mortgages in Colorado: A Comprehensive Guide

If you’re a Colorado homeowner aged 62 or older, a reverse mortgage could be a valuable tool to help you unlock the equity in your home and improve your financial security during retirement.  In this guide, we’ll cover everything you need to know about reverse mortgages in Colorado, including key facts, the latest statistics, top lenders, and essential protections.

About All Reverse Mortgage, Inc. of Colorado

At All Reverse Mortgage, Inc. (ARLO™), we’ve spent two decades serving homeowners across the nation, earning our reputation as one of the most trusted reverse mortgage providers.  With an A+ rating from the Better Business Bureau and countless 5-star reviews, we’re known for offering exceptional service, competitive rates, and lower costs.

Since 2004, our mission has been to help Colorado homeowners make the most of their home equity.  Whether it’s paying off an existing loan, creating a safety net with a growing line of credit, or simply enjoying financial peace of mind, we provide personalized guidance every step of the way.  Our team even pioneered the first fixed-rate jumbo reverse mortgage in 2008, giving us unmatched expertise in these innovative loan programs.

As a HUD-approved reverse mortgage lender, we offer both HECM & Jumbo Reverse Mortgages tailored to your unique situation.  While jumbo loans can be an excellent choice for higher-value homes, they often come with lower Principal Limits.  Our experts are here to help you evaluate the benefits and make the decision that’s right for your financial goals.

Across Colorado, homeowners aged 62 and older are embracing reverse mortgages not as a last resort but as a sound retirement strategy.  From eliminating monthly mortgage payments to accessing growing credit lines, our clients enjoy the financial freedom to stay in their homes while planning for a secure future.

At All Reverse Mortgage, Inc. (ARLO™), we look forward to serving you with the professionalism, transparency, and care that have defined our company from the start.

Key Facts About Colorado Reverse Mortgages

Latest Colorado Reverse Mortgage Statistics

Top 20 Reverse Mortgage Lenders in Colorado

Colorado Reverse Mortgage Lending Limits for 2025

Colorado is home to over 458,000 residents aged 62 and older, many of whom may qualify for a reverse mortgage.  With a median home value of $543,106 as of January 2025, most Colorado homes fall well within the HECM reverse mortgage lending limit of $1,209,750.

Colorado, known for its stunning mountain landscapes and vibrant cities, is an ideal place to retire.  Whether you prefer the alpine beauty of the Rockies, the peaceful deserts, or the lively metro areas like Denver and Colorado Springs, there’s something for everyone in the Centennial State.

For those interested in exploring the financial benefits of a reverse mortgage, All Reverse Mortgage, Inc. (ARLO™) is here to help you every step of the way.  We’re ready to answer your questions and provide the support you need to make the best decision for your future.

Essential Protections and Requirements for Colorado Reverse Mortgages

In Colorado, reverse mortgages are governed by both federal guidelines and additional state-specific protections to ensure transparency and borrower confidence.  Here are key requirements and unique features for Colorado borrowers:

1. Mandatory HUD-Approved Counseling:
   All reverse mortgage applicants in Colorado must complete a HUD-approved counseling session and provide a signed certificate to their lender.  This ensures borrowers fully understand the loan terms, benefits, and alternatives before proceeding.
2. Prepayment Flexibility:
   Colorado law allows reverse mortgage borrowers to repay their loan at any time without penalties.  This flexibility provides peace of mind if your financial situation changes or you choose to settle the loan early.
3. Transparent Fee and Interest Disclosures:
   Lenders must clearly disclose all interest rates and fees upfront, ensuring you fully understand the financial obligations before closing.
4. Protection Against Tied Financial Products:
   Lenders cannot require borrowers to purchase additional financial products, such as annuities, as a condition of obtaining a reverse mortgage.  This ensures a fair and unbiased loan process.
5. Cooling-Off Period:
   Colorado requires a mandatory waiting period before finalizing a reverse mortgage.  This gives you time to consider your decision and consult with trusted advisors carefully.
6. Streamlined Legal Compliance:
   Colorado reverse mortgage laws exempt lenders and borrowers from specific statutory requirements irrelevant to reverse mortgages.  This simplifies the process and removes unnecessary legal hurdles.
7. Licensed and Regulated Lenders:
   All reverse mortgage lenders in Colorado must be properly licensed and meet the state’s standards for professionalism and transparency, ensuring you receive reliable and ethical service.

Licensed by the Colorado Department of Regulatory Agencies (DORA) License/Registration #100032569

Find Colorado-Approved Reverse Mortgage Counselors

Did you know?  Colorado 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 Colorado

Ready to take the next step?

If you’re a homeowner in Colorado, All Reverse Mortgage, Inc. (ARLO™) is here to guide you every step of the way. Discover how much you may qualify for with our easy-to-use reverse mortgage calculator, or call us Toll-Free at (800) 565-1722.  Let us help you unlock your home’s equity and achieve greater financial freedom today!

Additional Resources:

• Reversemortgage.org NRMLA Members in Colorado
• HUD.GOV Approved Lenders Search