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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 2025 lending limit of $1,209,750.
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
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Purchase Reverse Mortgages Closed Last 12 Months | Lenders in Napa (est) | Avg. Home Value |
|---|---|---|---|---|---|
| Napa | 28,249 | 6 | 0 | 6 | $911,575 |
HUD-Approved Direct Lender
At All Reverse Mortgage, Inc. (ARLO™), we are proud to be approved by the Department of Housing and Urban Development (HUD) to offer the Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage. We take care of everything, from the application to closing, ensuring you’re in good hands every step of the way.
We serve homeowners in Anaheim, helping those who already own their homes refinance to eliminate their monthly mortgage payments or access their home equity for other needs. Whether you want to pay off your existing loan, free up some extra cash, or do both, we’re here to help.
About Us
Our team at All Reverse Mortgage has deep experience in the industry. In 2008, we were part of the group that introduced the first fixed-rate jumbo reverse mortgage, so we understand both HUD-backed HECM loans and jumbo (or proprietary) loans. This expertise allows us to offer options for homeowners with higher-value homes that may not be fully covered by HUD’s HECM program.
Choosing the right loan can be challenging, but our experienced originators are here to guide you. We’ll explain the options, including the pros and cons of each, so you can make the best decision for your situation. Whether a HUD HECM or a jumbo loan is right for you depends on your unique needs, and we’ll ensure you have all the information to make an informed choice.
For homeowners aged 62 and older, a reverse mortgage can be a valuable financial tool. It’s not just a last resort; many are using it to enhance their retirement plans. With a reverse mortgage, you can eliminate monthly mortgage payments or set up a line of credit that grows over time, helping you live comfortably and plan for the future.
Napa Lending Limits
Napa is the largest city in Napa County, California, with an estimated population of 147,000 as of 2024. About 29,400 of these residents are seniors aged 62 and older, making it a significant community for older adults.
First settled in 1847 and incorporated in 1872, Napa quickly became an important transportation hub for industrial, commercial, and agricultural goods. Many miners stopped in Napa during the Gold Rush to rest before continuing their journeys.
Today, Napa is renowned for its world-class wine and cuisine. The city boasts protected historic districts that feature contemporary architectural styles. Notable areas of interest include the Oxbow District, Restaurant Row, and the West End. Napa is also leading a flood control project that enhances the downtown riverwalk while protecting nearby areas from potential flooding.
Tourism and wine are the primary economic drivers in Napa, with over 300 wineries providing thousands of jobs to residents. Other major employers in the area include Queen of the Valley Medical Center, Silverado Resort, Pacific Union College, Walmart, and Wells Fargo.
As of 2024, the median home value in Napa is $945,200, reflecting a 6.1% increase over the past year. With the predicted rise in home values, only a few homes will remain just under the maximum reverse mortgage lending limit of $1,209,750. For senior homeowners with properties valued above the HECM lending limit, jumbo reverse mortgage programs are available.
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! Use our reverse mortgage calculator, or call (707) 222-4069 to speak with a friendly expert today.
