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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
Experience Excellence with Florida’s Top Reverse Mortgage Lender
At All Reverse Mortgage, Inc. (ARLO™), we’re proud to be Florida’s #1 Rated Reverse Mortgage Lender, celebrating 20 years of dedicated service. Our A+ Rating from the Better Business Bureau and perfect 5-star Reviews reflect our commitment to providing you with the best terms and outstanding customer care.
Since 2004, our mission has been simple: to help Florida homeowners make the most of their home’s equity with peace of mind. As a HUD-approved lender, we offer a full range of HECM & Jumbo Reverse Mortgages designed to meet your needs.
Our competitive rates and lower costs can help you keep more of your home’s equity. We’re here to show you the difference our experience can make, and we look forward to guiding you every step of the way!
Florida Reverse Mortgage Facts
| Top 10 Reverse Mortgage Cities in Florida |
|---|
| 1 Miami |
| 2 The Villages |
| 3 Hialeah |
| 4 Port Saint Lucie |
| 5 Ocala |
| 6 Saint Petersburg |
| 7 Orlando |
| 8 Boynton Beach |
| 9 Boca Raton |
| 10 Jacksonville |
| Data by MCA (January 2025) |
Latest 2025 Reverse Mortgage Statistics for Florida
| State | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in Florida | Avg. Home Value |
|---|---|---|---|---|
| Florida | 4.77 million | 2,780 | 67 | $386,892 |
Loan Type: HECM Standard Loans Originated in Florida
Performance Period: Loans endorsed between January 1, 2024, and December 31, 2024
Note: Includes all HECM Standard cases within the specified endorsement period.
Top 20 Reverse Mortgage Lenders in Florida
| Lender | BBB Rating | Years in Business | Customer Rating (0–5) | % Positive Reviews | Complaints | Source |
|---|---|---|---|---|---|---|
| All Reverse Mortgage, Inc. (ARLO) | A+ | 21 | 4.98/5 | 99.6% | 0 | Source |
| Atlantic Avenue Mortgage LLC | A+ | 2 | 4.94/5 | 98.8% | 2 | Source |
| American Pacific Mortgage | F | 28 | 1.75/5 | 35.0% | 8 | Source |
| Cross Country Mortgage | F | 22 | 1.46/5 | 29.2% | 300 | Source |
| Fairway Independent Mortgage | B+ | 29 | 4.48/5 | 89.6% | 28 | Source |
| Finance of America Reverse LLC (FAR) | A+ | 21 | 1.00/5 | 20.0% | 37 | Source |
| GMFS Mortgage | A+ | 26 | 2.5/5 | 50.0% | 18 | Source |
| Goodlife Home Loans | A+ | 13 | 5.0/5 | 100% | 0 | Source |
| Guild Mortgage Company (Formerly Cherry Creek LLC) | A+ | 64 | 1.36/5 | 27.2% | 25 | Source |
| HighTechLending Inc | A+ | 19 | 4.93/5 | 98.6% | 1 | Source |
| Liberty Home Equity Solutions Inc. | A+ | 21 | 1.00/5 | 20.0% | 1 | Source |
| Longbridge Financial LLC | A+ | 12 | 3.81/5 | 76.2% | 25 | Source |
| Mid America Mortgage Inc. | A+ | 66 | NA | NA | NA | Source |
| Moneyhouse | NR | 27 | NA | NA | 0 | Source |
| Movement Mortgage, LLC | A+ | 17 | 4.83/5 | 96.2% | 95 | Source |
| Mutual of Omaha Mortgage | A+ | 12 | 1.49/5 | 29.8% | 55 | Source |
| Open Mortgage LLC | A+ | 22 | 3.67/5 | 73.4% | 1 | Source |
| Plaza Home Mortgage Inc | A+ | 24 | 3.44/5 | 68.8% | 7 | Source |
| Smartfi Home Loans | A+ | 6 | 1.00/5 | 29.0% | 0 | Source |
| South River Mortgage, LLC | A+ | 6 | 3.55/5 | 71.0% | 12 | Source |
Trusted HUD-Approved Direct Lender in Florida
At All Reverse Mortgage, Inc. (ARLO™), we’re proud to be approved by the Department of Housing and Urban Development (HUD) to offer Home Equity Conversion Mortgages (HECMs), often referred to as reverse mortgages. With our HUD approval, we can help Florida homeowners access the equity in their homes with confidence and peace of mind.
Whether you’re looking to pay off an existing loan and eliminate monthly mortgage payments or tap into your home’s equity for other financial needs, we’re here to guide you through the process. Our experienced team understands the unique needs of Florida homeowners and offers personalized solutions, including both HECM and Jumbo Reverse Mortgages.
About All Reverse Mortgage of Florida
Our leadership team has been at the forefront of the reverse mortgage industry, including being part of the team that introduced the first fixed-rate jumbo reverse mortgage in 2008. This experience allows us to offer tailored solutions for homeowners with high-value properties in markets where a traditional HECM might not be the best fit.
Choosing the right reverse mortgage program can be complex, but our seasoned professionals are here to help you navigate your options. We’ll clearly explain the benefits and drawbacks of each program, ensuring you can make an informed decision that suits your needs.
Reverse mortgages have become a valuable financial tool for many homeowners aged 62 and above, providing a way to enhance retirement plans rather than just a last resort. Whether it’s eliminating monthly mortgage payments or establishing a growing line of credit, a reverse mortgage can help you live comfortably in your home while planning for the future.
All Reverse Mortgage, Inc. is licensed by the Florida Office of Financial Regulation License/Registration #: MLD837
Florida Reverse Mortgage Lending Limits
Florida, known as the Sunshine State, is home to 22.2 million people, with nearly 1.7 million homeowners aged 62 and older. This means over one-and-a-half million Florida residents may be eligible for a reverse mortgage, offering a valuable way to access their home’s equity.
As of January 2024, the average home value in Florida is $407,219, well below the HECM reverse mortgage lending limit of $1,209,750. This makes reverse mortgages a viable option for many homeowners throughout the state (Florida Realtors)(Mortgage Reports).
Florida’s rich history began with Spanish explorer Juan Ponce de León in 1513, and it has since grown into the most populous state in the American Southeast. Known for its warm climate, beautiful beaches, and vibrant tourist destinations, Florida has become a top choice for retirees. Communities such as The Villages, Boynton Beach, and Naples have attracted nearly 2 million senior homeowners aged 62 and older, all of whom enjoy the state’s pleasant weather and abundant activities.
Florida’s economy thrives on tourism, agriculture, and transportation, with world-famous attractions like Walt Disney World and Kennedy Space Center contributing to its robust growth.
If you’re a homeowner aged 62 or older living in Florida, All Reverse Mortgage, Inc. (ARLO™) is here to help you explore how a reverse mortgage can fit into your retirement plans. We’re ready to answer your questions and guide you through the process.
HUD-Approved Reverse Mortgage Counseling Agencies in Florida
| Name | Agency ID | Address | Phone | Web Site |
|---|---|---|---|---|
| CONSOLIDATED CREDIT SOLUTIONS, INC. | 84804 | 5701 W Sunrise Blvd, Plantation, Florida, 33313-6269 | (800) 435-2261 | consolidatedcredit.org |
| CONSUMER CREDIT AND BUDGET COUNSELING, DBA NATIONAL FOUNDATION FOR DEBT MANAGEMENT | 81555 | 13921 Icot Blvd, Clearwater, Florida, 33760-3738 | (866) 395-5769 | nfdm.org |
| CREDIT CARD MGMT SVCS, INC DBA REVERSEMORTGAGEHELPER.ORG AND DEBTHELPER.COM | 81215 | 1325 N Congress Ave, West Palm Beach, Florida, 33401-2005 | (561) 472-8000 | reversemortgagehelper.org |
| DEBT MANAGEMENT CREDIT COUNSELING CORP | 90117 | 1330 SE 4th Ave Ste F, Fort Lauderdale, Florida, 33316-1958 | (866) 724-3328 | N/A |
| H.E.L.P. COMMUNITY DEVELOPMENT CORP. | 83570 | 63 E Kennedy Blvd, Eatonville, Florida, 32751-5345 | (407) 628-4832 | helpcdc.org |
| HOUSING FOUNDATION OF AMERICA | 84470 | 2400 N University Dr, Pembroke Pines, Florida, 33024-3629 | (954) 923-5001 | homeapproved.org |
| HOUSING FOUNDATION OF AMERICA | 90154 | 381 N Krome Ave Ste 203, Homestead, Florida, 33030-6047 | (786) 842-3843 | homeapproved.org |
| HOUSING FOUNDATION OF AMERICA - LAKE WORTH FLORIDA | 90343 | 8461 Lake Worth Rd, Lake Worth, Florida, 33467-2474 | (561) 713-1457 | homeapproved.org |
| HOUSING FOUNDATION OF AMERICA, LAUDERHILL FLORIDA | 90342 | 1773 N State Road 7, Lauderhill, Florida, 33313-5005 | (954) 923-5001 | homeapproved.org |
| HOUSING PARTNERSHIP, INC. | 82306 | 2001 W Blue Heron Blvd, Riviera Beach, Florida, 33404-5003 | (561) 841-3500 | cp-housing.org |
| MONEY MANAGEMENT INTERNATIONAL -TAMPA BRANCH | 80050 | SUITE 600 100 S ASHLEY DR TAMPA, FL 33602-5304 | (866) 232-9080 | moneymanagement.org |
| MONEY MANAGEMENT INTERNATIONAL - MIAMI BRANCH | 90325 | 6303 Blue Lagoon Dr, Miami, Florida, 33126-6002 | (866) 232-9080 | moneymanagement.org |
| MONEY MANAGEMENT INTERNATIONAL - ORLANDO, FL | 90392 | 9580 Hutchinson Park Dr, Jacksonville, Florida, 32225-7201 | (800) 642-2227 | moneymanagement.org |
| REAL ESTATE EDUCATION AND COMMUNITY HOUSING, INC. | 90471 | 1451 W Cypress Creek Road, FORT LAUDERDALE, Florida, 33309-1961 | (561) 491-1670 | reach4housing.org |
| TALLAHASSEE LENDERS CONSORTIUM, INC. | 81190 | 224 Office Plaza Dr, Tallahassee, Florida, 32301-2808 | (850) 222-6609 | tallahasseelenders.org |
| TRINITY EMPOWERMENT CONSORTIUM, INC. | 84254 | 11845 SW 216th St, Miami, Florida, 33170-2938 | (305) 248-4553 | trinityempowers.org |
Did you know? Florida 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 Florida
Bradenton Boca Raton Boynton Beach Cape Coral Fort Lauderdale Fort Myers Hialeah Jacksonville Miami Naples Ocala Orlando Palm Beach Palm Coast Port St. Lucie Sarasota St. Petersburg Tampa The Villages
Ready to Unlock Your Home’s Equity?
As Florida’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 Florida Office of Financial Regulation (License #MLD874), we’re committed to helping you secure the retirement you deserve.
Get Your Free Quote from Florida’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (800) 565-1722 to speak with a friendly expert today.
Additional Resources:
Reversemortgage.org NRMLA Members in Florida
HUD.GOV Approved Lenders Search
