Napa'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
Napa Reverse Mortgages
At All Reverse Mortgage, Inc. (ARLO™), we take pride in being California’s #1 Rated Reverse Mortgage Lender. We have a perfect 5-star rating from the Better Business Bureau and an A+ Exemplary Rating. We’ve been serving communities across California and 15 additional states since 2004, all from our headquarters in Southern California.
We focus solely on reverse mortgages, so you can trust that we have the expertise you need. We’re dedicated to providing you with the best possible rates and the lowest costs, ensuring you get the most out of your home’s equity.
As a HUD-approved lender, we offer national HECM programs and provide non-FHA and Jumbo Reverse Mortgages for those with higher-value homes exceeding the national lending limit of $1,249,125.
We invite you to compare our reviews, rates, and closing costs with those of any other lender. We’re confident you’ll see the difference and are excited to help you make the most informed decision.
Napa Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in Napa (est) | Avg. Home Value |
|---|---|---|---|---|
| Napa | 3,800 | 14 | 5 | $855,308 |
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 Reverse Mortgage Lender Serving Napa
All Reverse Mortgage, Inc. is a HUD-approved direct lender authorized to originate and service the FHA Home Equity Conversion Mortgage, commonly known as a reverse mortgage.
A HECM is a federally insured loan designed for homeowners age 62 and older. It allows qualified borrowers to convert a portion of their home equity into usable funds while eliminating required monthly mortgage payments, provided they continue to live in the home and meet basic homeowner responsibilities.
For homeowners in Napa, we commonly assist with:
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Paying off an existing mortgage to eliminate the monthly payment
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Accessing home equity for retirement income or long-term reserves
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Establishing a line of credit that grows over time
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Evaluating whether a standard HECM or a jumbo reverse mortgage is a better fit
Borrowers retain ownership of their home and may sell or refinance at any time without a prepayment penalty.
About All Reverse Mortgage, Inc.
Reverse mortgages are all we do.
Our team has more than 20 years of experience helping older homeowners understand reverse mortgage options clearly and responsibly. In 2008, we were part of the team that introduced the first fixed-rate jumbo reverse mortgage, giving us long-standing experience with both FHA-insured HECM loans and proprietary jumbo programs.
That experience matters in Napa markets, where:
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Home values often approach or exceed FHA lending limits
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Many homeowners are equity-rich but income-conscious
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Jumbo programs may offer additional flexibility for higher-value homes
Our role is to explain these differences plainly so homeowners can make informed, long-term decisions.
Is a Reverse Mortgage a Good Fit in Napa?
A reverse mortgage is not appropriate for every homeowner. But for the right situation, it can be a practical retirement planning tool.
Napa homeowners often explore reverse mortgages to:
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Eliminate an existing mortgage payment
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Improve monthly cash flow during retirement
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Create a financial buffer without selling the home
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Age in place while accessing accumulated home equity
Because reverse mortgages affect long-term finances and home equity, accuracy and transparency matter more than speed.
Ready to Unlock Your Home’s Equity?
As Napa’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 California Department of Financial Protection and Innovation (DFPI License #4131292), we’re committed to helping you secure the retirement you deserve.
Get Your Free Quote from Napa’s #1 Rated Reverse Mortgage Lender, or call (707) 222-4069 to speak with a friendly expert today.
