Colorado Springs' #1 Reverse Mortgage*

Colorado Springs Reverse Mortgage Lenders

At All Reverse Mortgage, Inc. (ARLO™), we’re honored to be recognized by the Better Business Bureau as Colorado’s top-rated reverse mortgage lender. We proudly hold a perfect 5.0-star rating and an A+ exemplary rating. With 20 years of experience, we’re dedicated to serving the needs of homeowners across 15 states, including right here in beautiful Colorado.

Since our founding in November 2004, we’ve focused exclusively on one thing: reverse mortgages. We believe in offering only the best, which is why we’re committed to providing you with the lowest rates and most competitive prices available.

As a HUD-approved direct lender, we offer the national HECM programs along with specialized non-FHA and jumbo reverse mortgages. This means we can help Colorado homeowners with high-value properties that exceed the national 2025 lending limit of $1,249,125.

We encourage you to compare our reviews, lower rates, and closing costs with those of any other major lender. The difference speaks for itself, and we’re excited to show you how we can help you maximize your home’s equity.

We are fully licensed by the Colorado Department of Regulatory Agencies (DORA), ensuring that you receive top-tier service and support from a trusted local partner. (License/Registration #100032569)

How this data was derived: Reverse mortgage counts reflect FHA-insured HECM loans endorsed over a rolling 12-month period (Dec 2024–Nov 2025) using HUD HECM Snapshot data. Active lenders represent unique FHA sponsor numbers with at least one endorsed loan during this period. Estimated homeowners age 62+ are based on U.S. Census ACS 5-year owner-occupied households age 65+ as a conservative proxy. Home values are sourced from Zillow’s Home Value Index (latest available).

HUD-Approved Direct Reverse Mortgage Lender Serving Colorado Springs

All Reverse Mortgage, Inc. is a HUD-approved direct lender authorized to originate loans under the FHA Home Equity Conversion Mortgage (HECM) program, commonly known as a reverse mortgage.

A HECM is a federally insured loan available to homeowners age 62 and older. It allows eligible borrowers to access a portion of their home equity while deferring required monthly mortgage payments, provided they continue to occupy the home as their primary residence and meet standard homeowner obligations, including property taxes, homeowners’ insurance, and basic property maintenance.

This page is intended to provide local, factual context for homeowners in Colorado Springs who are evaluating whether a reverse mortgage fits into their broader financial plans.

What the Colorado Springs Data Shows

Colorado Springs has 47,902 homeowners age 62 and older, with 76 FHA reverse mortgages completed in the most recent 12-month period.

Compared to smaller Colorado cities, this higher loan volume reflects a larger homeowner base rather than widespread use. Most eligible homeowners still take a cautious, information-first approach before deciding whether a reverse mortgage makes sense for their situation.

Homeowners in Colorado Springs commonly explore reverse mortgages to:

• Pay off an existing mortgage and eliminate required monthly payments

• Improve monthly cash flow during retirement

• Establish a line of credit for future needs rather than immediate use

• Compare FHA-insured HECM loans with proprietary jumbo reverse mortgage options

Borrowers retain title to their home and may sell or refinance at any time without a prepayment penalty.

Important requirement: The home must remain your primary residence, and you must continue to pay property taxes, homeowners’ insurance, and maintain the property in accordance with FHA guidelines.

Home Values and Reverse Mortgage Lending Limits in Colorado Springs

The average home value in Colorado Springs is $468,774, placing most owner-occupied homes well within the 2026 FHA HECM lending limit of $1,249,125.

For eligible homeowners, the FHA-insured HECM program includes key consumer protections, such as:

• Required independent HUD counseling

• Non-recourse protection so neither the borrower nor heirs owe more than the home’s value

• Flexible payout options, including a line of credit that can grow over time

Homes valued above the FHA limit may qualify for proprietary jumbo reverse mortgage programs. Because these loans are privately funded and not FHA-insured, understanding differences in structure, costs, and long-term protections is essential before proceeding.

About All Reverse Mortgage, Inc.

Reverse mortgages are all we do.

Our team has more than 20 years of experience helping older homeowners understand reverse mortgage options clearly and responsibly. We have worked exclusively in the reverse mortgage space since 2004 and were involved in the early development of fixed-rate jumbo reverse mortgage programs.

That experience is especially relevant in communities like Colorado Springs, where:

• Home values vary across neighborhoods and property types

• FHA lending limits cover most homes, but not all

• Proprietary programs can differ meaningfully in structure and consumer safeguards

Our role is to explain these distinctions clearly so homeowners can evaluate their options with a full understanding of potential outcomes.

Is a Reverse Mortgage a Good Fit in Colorado Springs?

A reverse mortgage is not appropriate for every homeowner. In the right situation, however, it can be a practical retirement-planning tool.

Colorado Springs homeowners often consider a reverse mortgage to:

• Eliminate an existing mortgage payment

• Improve monthly cash flow during retirement

• Access home equity without selling the home

• Remain in their home long term

Because reverse mortgages affect long-term finances and home equity, accuracy and transparency matter more than speed.

Next Steps

If you live in Colorado Springs, Colorado, All Reverse Mortgage, Inc. can help you review your options and determine whether a reverse mortgage aligns with your goals.

Get Your Reverse Mortgage Quote from Colorado’s #1-Rated Reverse Mortgage Lender or call (719) 820-7420 to speak with a licensed expert.