Lincoln'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 2024 lending limit of $1,149,825.

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!

Lincoln 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 Lincoln 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.

Lincoln, California, is a city in the greater Sacramento area that has experienced rapid population growth over the last two decades. Lincoln is in Placer County, roughly 10 miles from Roseville, and was originally settled in the mid-1800s along the Central California Railroad. Its growth historically was in line with railroad development, which tapered off during the late 1800s and through much of the 20th century.

More recently, the city of Lincoln, which spans roughly 20 square miles, saw its population surge as the greater Sacramento-Roseville area expanded. As of 2015, the city was among America’s fastest-growing, being called the fastest-growing small city in the country by a census bureau report. In the report, estimates indicated that the population of Lincoln surged by more than 280% between the years 2000 and 2010. As of the 2020 U.S. Census, the city counted nearly 50,000 residents. In 2006, Lincoln was named the winner of the All-America Cities Award by the National Civic League (NCL).

Lincoln residents enjoy hot, dry summers and cool, wet winters, with an average of 250 days of sunshine annually. Average temperatures during the summer range in the mid to upper 70s, while average lows in the winter fall to around 40 degrees Fahrenheit. Residents and visitors in Lincoln enjoy private and public golf courses, a charming downtown filled with shops and dining destinations, and stops along the Placer Wine Trail. While much of the travel to and from Lincoln is via Sacramento Airport, Lincoln is also home to its own Lincoln Regional Airport.

The median home value in Lincoln, California, is $672,341 — an increase of 5.40% in the last year. Many Lincoln, California home values fall within the HECM lending limit, while many others exceed the federal reverse mortgage lending limit of $1,149,825. Private jumbo reverse mortgage programs available for those with homes valued above the federal lending limit may better suit those homeowners.

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