Compare Florida's Best Reverse Mortgages!
Compare Florida's Best Reverse Mortgages!
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Florida's #1 Reverse Mortgage

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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
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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 Florida

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 Florida's #1 Rated Reverse Mortgage Lender, celebrating 19 Years of excellence. We are the only FL 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!

Florida Reverse Mortgage Facts

Top 10 Reverse Mortgage Cities in Florida by MCA (December 2022)

The Villages
Port Saint Lucie
Saint Petersburg
Boynton Beach
Boca Raton
StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsPurchase Reverse Mortgages Closed Last 12 MonthsLenders in FloridaAvg. Home Value
Florida1,695,8103,498285339 $407,219

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

HUD Approved Direct Lender

florida 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 Florida and offers 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; or can help borrowers utilize their equity for other purposes if they have no existing loan or possibly a combination of both.

About All Reverse Mortgage® of Florida

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.

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 as they relate 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 the Florida Office of Financial Regulation License/Registration #: MLD837

Florida Lending Limits

florida lending limits

The Sunshine State has a population of 21.5 million, and 1,695,810 of those people are homeowners age 62 and older, which means more than one-and-a-half million people may be eligible for a reverse mortgage.

As of January 2024, the average home value in Florida is $407,219, much lower than the HECM reverse mortgage lending limit of $1,149,825.

Florida was the first region in the continental United States to receive the first European travelers and settlers, including renowned Spanish conquistador Juan Ponce de León, who arrived in what would become Florida in 1513. He first gave the territory its name, La Florida, and the territory largely remained under Spanish control until 1763. That year, Spain traded Florida to the British Empire in exchange for control of Havana, Cuba.

After skirmishes between the British, Spanish, and the newly-formed United States that lasted the better part of a century after Florida changed hands, the territory was welcomed as the 27th state of the United States in 1845. Just 15 years later, Florida approved secession and joined the Confederacy in the American Civil War. After the Confederacy lost the war in 1865, it took three more years for the state's congressional delegation to be restored in Washington, D.C.

Until the mid-20th century, Florida was the least-populous state in the American South. Still, it became more populated as it gained popularity as a vacation and retirement destination beginning in the 1920s when the state enjoyed a land boom. Two devastating hurricanes threatened that newfound prosperity at the end of the decade and the breakout of the Great Depression, but the state recovered amidst the military buildup of World War II.

Now, Florida is the most populous state in the American Southeast, with its economy being reoriented around agriculture permitted by its climate and tourism.

The state of Florida is most often thought of when people think of a place many Americans go to retire. Nearly 2 million homeowners aged 62 and older live in the Sunshine State. Florida is also the country's third-most populous and eighth-most densely populated state. Popular retirement destinations within Florida include The Villages, Boynton Beach, Lady Lake, Clearwater, and Naples.

Florida's economy heavily relies on tourism, agriculture, and transportation. The state is known for its beaches, amusement parks, orange farming, the Kennedy Space Center, and as a stereotypical area for retirees.

The Orlando, Florida, area is known for its concentration of world-renowned theme parks, including the Walt Disney World Resort. It comprises theme parks, including the Magic Kingdom, Epcot, Disney's Hollywood Studios, and Disney's Animal Kingdom. It also includes the water parks Disney's Typhoon Lagoon and Disney's Blizzard Beach. The city is also home to the Universal Orlando Resort, which includes Universal Studios Florida, the Islands of Adventure park, and the Volcano Bay water park, which will soon include an entirely new theme park called Epic Universe, slated to open in 2024.

Florida has many sports teams, which include three NFL teams, two MLB teams, two NBA teams, two NHL teams, and one MLS team. Auto racing is also a big deal in the state as Daytona Beach, Florida, is the headquarters of NASCAR, where the Daytona 500 is held each February.

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

Other Areas of Interest in Florida

Florida Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneAddressWebsiteAgency IDLanguages
Clearwater, Florida 33760-3758
Suite 117
LAKE WORTH, Florida 33467-2474
Suite 101-D
LAUDERHILL, Florida 33313-5005
HOUSING FOUNDATION OF AMERICA786-842-384316201 SW 95th Avenue
Suite 214
MIAMI, Florida 33157-3459
CCCS OF PUERTO RICO -ORLANDO787-722-88358751 Commodity Cir
Suite #4
Orlando, Florida 32819-9027
HOUSING FOUNDATION OF AMERICA954-923-50012400 N University Drive # 200
PEMBROKE PINES, Florida 33024-3629
GREENPATH FINANCIAL WELLNESS888-860-41675100 W Kennedy Blvd
Suite 125
Tampa, Florida 33609-1849

Did you know? Florida 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:
Reversemortgage.org NRMLA Members in Florida
HUD.GOV Approved Lenders Search
Florida Reverse Mortgages
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