Contra Costa 's #1 Reverse Mortgage*
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Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in the mortgage banking industry. He has devoted the past 20 years to reverse mortgages exclusively. (License: NMLS# 14040) |
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All Reverse Mortgage's editing process includes rigorous fact-checking led by industry experts to ensure all content is accurate and current. This article has been reviewed, edited, and fact-checked by Cliff Auerswald, President and co-creator of ARLO™. (License: NMLS# 14041) |
Michael G. Branson
Edited by 
Cliff Auerswald
Contra Costa Reverse Mortgages
All Reverse Mortgage, Inc. (ARLO™) is California’s top-rated reverse mortgage lender, specializing exclusively in reverse mortgage loans. We have served homeowners throughout California and multiple additional states since 2004, operating from our headquarters in Southern California. We take pride in maintaining an A+ Exemplary Rating with the Better Business Bureau.
Because reverse mortgages are our sole focus, our work centers on helping homeowners understand available loan products, costs, and long-term considerations so they can determine whether a reverse mortgage aligns with their financial goals.
All Reverse Mortgage is approved to offer FHA-insured Home Equity conversion mortgages (HECM’s) as well as non-FHA proprietary jumbo reverse mortgage options. This includes jumbo programs for higher value properties that exceed the current HUD lending limit of $1,249,125.
We invite you to compare our reviews, rates, and closing costs with those of any other lender. We’re confident you’ll see the difference, and we are excited to help you make the most informed decision.
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Purchase Reverse Mortgages Closed Last 12 Months | Lenders in Contra Costa (est) | Avg. Home Value |
|---|---|---|---|---|---|
| Contra Costa | 135,992 | 797 | 18 | 626 | $910,634 |
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 Contra Costa
All Reverse Mortgage, Inc. is a HUD-approved direct lender authorized to originate and lend under the FHA Home Equity Conversion Mortgage (HECM), 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 the requirement of monthly mortgage payments, so long as they continue to occupy the home as their primary residence and meet standard homeowner obligations such as property taxes, homeowners’ insurance, and overall upkeep of the home.
For homeowners in Contra Costa, we commonly assist with:
- Paying off an existing mortgage to eliminate the mandatory monthly payment
- Supplementing retirement income, healthcare, or reserves
- Establishing a line of credit that grows over time
- Comparing FHA-insured HECM loans with proprietary jumbo options
Borrowers retain title to their home and may sell or refinance at any time without a prepayment penalty.
Important Requirement: You must live in the home as your primary residence, continue to pay required property taxes, homeowners’ insurance, and maintain the home according to FHA requirements.
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. In 2006, we were part of the team that introduced the first fixed-rate jumbo reverse mortgage, giving us long-standing experience with both FHA-insured HECM loans and proprietary jumbo programs.
That experience is particularly relevant in markets like Contra Costa, where:
- Home values can vary significantly by neighborhood
- FHA lending limits are sufficient for many homes, but not all
- Proprietary programs can differ in structure, costs, and consumer protections
Our goal is to clearly explain these distinctions so homeowners can evaluate their options with a full understanding of potential outcomes.
Reverse mortgages aren’t a side business for us—they’re our only business. Since 2004, we’ve been helping homeowners navigate their options with clarity and care. Meet our team.
Is a Reverse Mortgage a Good Fit in Contra Costa?
A reverse mortgage is not appropriate for every homeowner. But in the right situation, it can be a practical retirement-planning tool.
Contra Costa homeowners often explore reverse mortgages to:
- Eliminate an existing mortgage payment
- Improve monthly cash flow during retirement
- Access home equity without selling the property
- Remain in their home long-term
Because reverse mortgages affect long-term finances and home equity, accuracy and transparency matter more than speed.
We believe in informed decisions. See the full picture, including the benefits and drawbacks, in our Reverse Mortgage Pros & Cons Guide.
Ready to Unlock Your Home’s Equity?
As Contra Costa’s #1 Rated Reverse Mortgage Lender, All Reverse Mortgage, Inc. (ARLO™) is here to provide trusted guidance, real-time rates, and expert support to help you make informed decisions.
✔ No obligations. Just real-time rates and expert advice.
✔ Instant quote. No personal info required.
✔ Licensed experts. Get clear, honest answers.
As a fully licensed lender by the California Department of Financial Protection and Innovation (DFPI License #4131292), we’re committed to helping you secure the retirement you deserve.
Get your Contra Costa County Reverse Mortgage Quote from California’s #1-rated reverse mortgage lender, or call (925) 252-5532 to speak with one of our knowledgeable licensed experts.
