St. Petersburg'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
St. Petersburg Reverse Mortgages
At All Reverse Mortgage, Inc. (ARLO™), we are proud to be Florida’s #1 Rated Reverse Mortgage Lender, as recognized by the Better Business Bureau. We have a perfect 5-star rating and an A+ exemplary score. We’ve been serving Florida homeowners since 2004 and are dedicated to providing reverse mortgages that help you enjoy your retirement years with peace of mind.
We understand that you deserve the best possible rate with the lowest costs. That’s why we focus solely on reverse mortgages, ensuring you receive expert guidance every step of the way. As a HUD-approved direct lender, we offer national HECM programs and specialized jumbo reverse mortgages for homeowners with higher-value properties in St. Petersburg and the surrounding area.
We invite you to compare our customer reviews, lower rates, and closing costs with any other lender. We’re confident you’ll see the difference, and we look forward to helping you achieve your financial goals.
St. Petersburg Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Active Lenders | Avg. Home Value |
|---|---|---|---|---|
| St. Petersburg | 36,224 | 61 | 14 | $403,118 |
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 Lender in St. Petersburg
All Reverse Mortgage, Inc. (ARLO™) is approved by the Department of Housing and Urban Development (HUD) to originate, underwrite, and close HUD’s Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage. The HECM program allows eligible homeowners aged 62 and older to access a portion of their home equity without monthly mortgage payments, provided they continue to live in the home and meet basic property obligations.
We serve homeowners throughout St. Petersburg and the greater Pinellas County area. Our work focuses exclusively on reverse mortgages, including refinancing existing loans and originating new FHA-insured HECMs. Whether your goal is to eliminate a monthly mortgage payment, improve retirement cash flow, or establish long-term financial flexibility, our role is to provide clear, straightforward guidance so you can make informed decisions.
About All Reverse Mortgage, Inc.
The leadership of All Reverse Mortgage, Inc. brings more than 20 years of experience in the reverse mortgage industry and was involved in introducing the first fixed-rate jumbo reverse mortgage in 2008. That experience is particularly relevant in established coastal markets like St. Petersburg, where many homeowners have significant equity built over decades of ownership.
Our originators work exclusively with reverse mortgages. We explain both FHA-insured HECM and jumbo reverse mortgage options in plain language, including how each program works, the responsibilities involved, and how the loan may impact long-term retirement planning. When a standard HECM is appropriate, we explain why. When a jumbo option may provide additional flexibility, we walk through those alternatives carefully.
For many homeowners over 62, a reverse mortgage is no longer viewed as a last resort. When used responsibly, it can be a practical financial tool to manage cash flow, preserve savings, and remain in the home you know and trust.
St. Petersburg, Florida Reverse Mortgage Lending Limits (2026)
Located in Pinellas County, St. Petersburg is one of Florida’s most established retirement destinations. Often referred to as “The Sunshine City,” it combines a coastal lifestyle with a diverse economy and long-standing residential neighborhoods that support aging in place.
Based on current Census estimates, approximately 36,224 homeowner households in St. Petersburg are headed by someone aged 62 or older, representing a meaningful portion of the city’s housing stock.
Over the most recent 12-month period, 61 reverse mortgages were closed in St. Petersburg, supported by 14 active lenders serving the market. This reflects steady and responsible use of reverse mortgages among long-term homeowners in the area.
As of late 2025, the average home value in St. Petersburg is approximately $403,118. This places most homes well within the 2026 FHA HECM lending limit of $1,249,125, making the standard FHA-insured reverse mortgage accessible for many homeowners. For properties valued above the federal limit, jumbo reverse mortgage programs can provide additional borrowing flexibility.
Ready to Unlock Your Home’s Equity?
As St. Petersburg’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.
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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 Reverse Mortgage Quote from St. Petersburg’s #1 Rated Reverse Mortgage Lender or call (727) 346-2484 to speak with a licensed expert.
