Fresno's #1 Reverse Mortgage

All Reverse Mortgage, Inc. (ARLO™) is proud to be California's #1 Rated Reverse Mortgage Lender by the BBB with a Perfect 5.0 Stars and A+ Exemplary Rating. We currently lend in 16 states and our headquartered in Southern California.

All Reverse Mortgage was incorporated in CA November 2004 and as the name implies, the only loan product that All Reverse Mortgage, Inc. (ARLO™) originates is in fact, the reverse mortgage.

We’re committed to be your lender because you deserve the best rate at the lowest price possible.

We’re a HUD Approved direct lender lending the national HECM programs and offer a suit of Non-FHA & Jumbo Reverse Mortgages to better suit homeowners in SoCal with higher value homes over the national 2023 lending limit of $1,089,300.

We welcome you to compare our reviews and our lower rates and closing costs to any other major lender! The difference is clear, and we can’t wait to show you!

Fresno Reverse Mortgage Facts

HUD Approved Direct Lender

All Reverse Mortgage, Inc. (ARLO™) is approved with 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 Fresno and closes both refinance loans, where borrowers already own their home and are looking to either pay off their existing loan and have no more monthly mortgage payment, utilize their equity for other purposes if they have no existing loan, or possibly a combination of both.

About All Reverse Mortgage®

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 as well. We are always looking for new products to offer to borrowers of high valued homes in the higher home priced markets that the HUD HECM may just 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 the positives and negatives of each 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 a very solid financial tool and many are now seeking the reverse mortgage to augment their retirement plans and not so much as a mortgage of last resort. Everything from the elimination of the existing mortgage payments to the line of credit that grows that grows make 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 for the future as well.

Fresno, California, is a mid-sized city of roughly 540,000 residents, located in the San Joaquin Valley. Inland from Monterey, Fresno is the largest city by population count in inland California. Its metro area residence exceeds 1 million people.

The city dates to the late 1800s, as it was then home to a Central Pacific Railroad station. It was later incorporated in 1885. It was named for the ash trees lining the San Joaquin River; “fresno" is the word for ash in Spanish. Today, Fresno is a major agricultural hub for the area and beyond, with large-scale production of almonds, pistachios, grapes, cotton, wheat, cantaloupes, and many additional crops.

Fresno covers roughly 112 square miles close to California’s geographical center. Its proximity to Yosemite National Park, Sierra National Forest, Kings Canyon National Park and Sequoia National Park means visitors to these destinations often pass through the city, which serves as somewhat of a gateway for travelers from Los Angeles and other cities to the south and west.

According to recent census data, nearly half of Fresno’s more than 170,000 housing units were owner-occupied. Between 9% and 10% of residents are 65 years of age or older, which means many residents meet the minimum reverse mortgage age requirement of 62 years old.

Fresno residents experience a varied climate with hot, dry summers and cold wet winters. During the summer months, average high temperatures rise well into the 90s, while in the winter, temperatures range from the 40s to the 60s.

The median home value in Fresno, California, is $374,013 - an increase of 9.6 percent in the last 12 months. Most Fresno, California homes are well within the federal reverse mortgage lending limit of $1,089,300. For those area homes valued above the federal lending limit, there are private jumbo reverse mortgage programs available that may better suit those homeowners.

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