Kirkland Reverse Mortgage Lenders

At All Reverse Mortgage, Inc. (ARLO™), we are proud to be Washington’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 Kirkland 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 both national HECM programs and specialized jumbo Reverse Mortgages for homeowners with higher-value properties in Washington State.

We invite you to compare our customer reviews, lower rates, and closing costs with those of any other lender. We’re confident you’ll see the difference, and we look forward to helping you achieve your financial goals.

Kirkland Reverse Mortgage Facts (2026 Update)

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Lenders in Kirkland (est) Avg. Home Value
Kirkland 9,100 18 7 $1,214,769

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

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 referred to as a reverse mortgage.

We manage the entire process, from application through closing, with a focus on accuracy, transparency, and long-term retirement planning.

Local Reverse Mortgage Help in Kirkland

All Reverse Mortgage of Kirkland works with homeowners who want to:

  • Pay off an existing mortgage and eliminate monthly payments

  • Access home equity while continuing to live in their home

  • Refinance an existing reverse mortgage

  • Establish a line of credit designed to grow over time

Each option is reviewed based on age, home value, and long-term financial goals.

About All Reverse Mortgage of Kirkland

All Reverse Mortgage, Inc. has specialized exclusively in reverse mortgages for more than 20 years.

Our team was part of the group that introduced the first fixed-rate jumbo reverse mortgage in 2008, giving us direct experience with both:

  • HUD-insured HECM loans, and

  • Proprietary jumbo reverse mortgage programs

This background is particularly relevant in high-value markets like Kirkland, where loan structure and long-term planning matter.

Expert Guidance You Can Trust

A reverse mortgage is not a one-size-fits-all solution.

Our role is to clearly explain:

  • Differences between HECM and jumbo programs

  • How available proceeds are calculated

  • Ongoing homeowner responsibilities

  • Long-term considerations for heirs and estate planning

You receive clear numbers and plain-English explanations so you can make an informed decision.

Kirkland Reverse Mortgage Lending Limits (2026)

Based on this 2026 update, Kirkland has an estimated 9,100 homeowners aged 62 and older, with 18 FHA-insured reverse mortgages closed during the most recent 12-month reporting period.

The average home value used for this update is $1,214,769, placing many Kirkland homes:

  • Near the 2026 federal HECM lending limit of $1,249,125, and

  • In a range where both HUD-insured HECM and jumbo reverse mortgage options may be evaluated

For homeowners whose property values exceed the federal limit, proprietary jumbo reverse mortgage programs may offer additional flexibility.


Ready to Unlock Your Home’s Equity?

As Kirkland’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 Washington State Department of Financial Institutions (License #CL-13999), we’re committed to helping you secure the retirement you deserve.

Get Your Free Quote from Kirkland’s #1 Rated Reverse Mortgage Lender, or call (425) 979-7411 to speak with a friendly expert today.