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 Top 10 Reverse Mortgage Lenders in Maryland

All Reverse Mortgage® is proud to be Maryland'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 headquarters are right here in southern California.

All Reverse Mortgage was incorporated November 2004 and as the name implies, the only loan product that All Reverse Mortgage® 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 MD with higher value homes over the national 2019 lending limit of $726,525.

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!

HUD Approved Direct Lender

maryland lenders map coverage

All Reverse Mortgage® 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® originates in Maryland and offers 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; or can help borrowers 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 lower Principal Limits as they relate to home values, though, so not all borrowers are best served with the jumbo programs available.

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 the mortgage of last resort. Everything from the elimination of existing mortgage payments to the line of credit 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.

Maryland Lending Limits

Maryland is the 19th most populous state in the nation and the 42nd in terms of land area. Overall, more than 6 million people live in Maryland, though the population is dispersed throughout the state, with about 80% of the population living outside of the state’s 10 most populous cities or census-designated areas. As of 2017, nearly 15% of people in Maryland were 65 or older; between 2012 and 2016.

One of the original 13 colonies, the state of Maryland’s history predates the United States. The state’s earliest seeds go back to 1632, when George Calvert, 1st Baron Baltimore, applied for a royal charter to create the Province of Maryland. The region was granted statehood on April 28, 1788, thus beginning a long and storied portion of American history.

Among the more notable early chapters in Maryland’s history, pre- and post-statehood, include the 1763 creation of the Mason-Dixon Line, the Maryland-inspired penning of the Star-Spangled Banner in 1814, the Battle of Antietam in 1862, and the flight training exercises by Wilbur Wright that helped create the world’s oldest continually operating airport.

Today, with approximately 611,600 residents, Baltimore is Maryland’s largest city and home to the groundbreaking Johns Hopkins University and the Johns Hopkins Hospital. In popular culture, the city is the proud home of Edgar Allan Poe and now known for the films of Barry Levinson and John Waters and the HBO television show The Wire. The capital of Maryland is Annapolis, located about 30 miles east of Washington, D.C.

With a variety of geographical forces at play, Maryland’s climate is rather diverse. Though the state on a whole ranks 20th in the U.S. in average temperature, individual sections of the state range from an annual average of 48 degrees in the western portion to 59 in the southeast.

Along with Baltimore and Columbia, the largest cities and census-designated places in Maryland are Germantown, Silver Spring and Waldorf. The state’s economy improved nominally in 2017, with job growth up 1.8%. Forbes ranked the state 26th in its Best States for Business rankings. Maryland still provides workers with opportunities at some of the country’s most successful businesses; Marriott International, Lockheed Martin and the Social Security Administration are all based in Maryland.

The average home value in the state is $283,700, and prices are expected to rise an additional 5.4% in the next year. Given this average, many homes fall below the federal maximum reverse mortgage lending limit of $636,150 that applies to all HECM loans. For more borrowing power above the federal limit, there are jumbo reverse mortgage programs available.

If you reside in Maryland, All Reverse Mortgage® is here to answer your questions. Call Toll Free (800) 565-1722 – Or try ARLO™ our revolutionary reverse mortgage calculator that offers side-by-side program comparisons, real-time interest rates and expert recommendations.

Maryland population
Maryland home values

Other Areas of Interest in Maryland

Maryland Reverse Mortgage Counseling Agencies

Agency Name Phone, Toll-Free,
Fax Number,
Email, Website,
Agency ID
Address Languages
Fax: 410-523-1374
E-mail: klittle@druidheights.com 
Website: www.druidheights.com
Agency ID: 80763
2140 McCulloh St
Baltimore, Maryland 21217-3529
- English
Toll-free: 410-747-2050
Fax: 410-747-2005
E-mail: hraynaud@guidewellfs.org 
Website: www.guidewellfs.org
Agency ID: 90302
757 Frederick Rd
2nd Floor
Baltimore, Maryland 21228-4500
- English
- Spanish
Fax: 410-342-1719
E-mail: kari@southeastcdc.org 
Website: www.southeastcdc.org
Agency ID: 81066
3323 Eastern Ave
Suite 200
Baltimore, Maryland 21224-4109
- English
- Spanish
Fax: 410-879-7148
E-mail: housing@harfordcountymd.gov 
Website: www.harfordhousing.org
Agency ID: 80331
15 S Main St Ste 106
Bel Air, Maryland 21014-8723
- English
- Spanish
Fax: 410-996-5256
E-mail: egrey@ccgov.org 
Agency ID: 84087
200 Chesapeake Blvd Ste 1800
Elkton, Maryland 21921-6682
- English
- Spanish
Fax: 301-662-9079
E-mail: mspurrier@cityoffrederick.com 
Website: www.cityoffrederick.com/fcaa
Agency ID: 81056
100 S Market St
FREDERICK, Maryland 21701-5527
- English
- Spanish
Fax: 301-791-9062
E-mail: drose@wccac.org 
Website: www.wccac.org
Agency ID: 81797
117 Summit Ave
Hagerstown, Maryland 21740-5508
- English
Fax: 301-699-8184
E-mail: mhunter@hiphomes.org 
Website: www.hiphomes.org
Agency ID: 81843
6525 Belcrest Road
Suite 555
HYATTSVILLE, Maryland 20782-2003
- English
- Spanish
Fax: 301-761-1608
E-mail: song@aa-hc.org 
Website: www.aa-hc.org
Agency ID: 80375
12320 Parklawn Drive
ROCKVILLE, Maryland 20852-1726
- Chinese Mandarin
- English
- Hindi
- Korean
- Other
- Spanish


Did you know? California state does not mandate in-person counsleing. Visit our counseling page for a list of phone-based counseling agencies and conduct your required counseling from the comfort of your home.

Additional Resources:
Top 10 Lender Reviews & Ratings: https://reverse.mortgage/best-reverse-mortgage-lenders
Reversemortgage.org NRMLA Members in Maryland: https://www.reversemortgage.org/Find-a-Lender/state/MD
HUD.GOV Approved Lenders Search: https://www.hud.gov/program_offices/housing/sfh/lender/lenderlist


How can we offer you more favorable terms?

We are a direct lender approved by FHA (Federal Housing Administration)
The HECM is literally all we do. All Reverse Mortgage is not just a name for us. We have a very low (almost non-existent) staff turnover and our people are experts.
We don't work with Brokers, allowing us to pass the savings on to you.
We don't hire "celebrity" spokespersons as we don't believe you should have to pay for a lender's expensive marketing budget with higher loan costs.
We Charge Less! Check out our competition and our customer ratings. We never forget that this loan is about you and your needs and we put you first with superior service and lower costs.

All Reverse vs. the others

It may surprise you but those "celebrities" you see all over TV have some of the worst independent consumer ratings in the industry. Compare us and you will see the crystal clear difference, from customer service to loan terms we never compromise.

HUD approved direct lender.

Working with a local Maryland lender saves you time and money.

As an award-winning direct lender our goal remains simple; to offer you the very best terms accompanied by extraordinary customer service.

What Our Customers Are Saying

"There was no car salesman type of protracted negotiation. All reverse got right down to a good quote without a series of incremental steps."
"I was surprised how easy it was to deal with an out of state company. Actually it was much easier than my previous dealings with local banks and brokers"
"It is a wonderful feeling to have no mortgage and extra cash in our pocket. We are very happy."
"Thank you to All Reverse for handling everything in an efficient and smooth way. Thoroughly appreciate everything you have done to make things easy for me."
"This was the smoothest mortgage process I have ever experienced! And so fast!"

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