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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
Neptune Township Reverse Mortgage Lenders
At All Reverse Mortgage, Inc. (ARLO™), we are proud to be New Jersey’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 New Jersey 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 Neptune and the surrounding area.
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.
Neptune Township Reverse Mortgage Facts
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Purchase Reverse Mortgages Closed Last 12 Months | Lenders in Neptune Township (est) | Avg. Home Value |
|---|---|---|---|---|---|
| Neptune Township | 3,109 | 18 | 0 | 12 | $484,750 |
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 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 Neptune Township 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, Inc.
The owners and management of All Reverse Mortgage, Inc. were part of the team that introduced and sold the first fixed-rate jumbo reverse mortgage in 2008. With extensive experience in jumbo and proprietary loan programs, we continuously seek new products to better serve borrowers with high-value homes, particularly in markets where the HUD HECM may not fully meet their needs. While jumbo or proprietary programs typically offer lower Principal Limits relative to home values, they can be an ideal option for certain borrowers.
Our seasoned originators are well-equipped to help borrowers understand which program best suits their needs, weighing the positives and negatives of each option so that they can make an informed decision. It is not uncommon to find markets where a HUD HECM is the right fit, while a nearby area may benefit more from a niche jumbo program.
Homeowners aged 62 and above increasingly recognize that reverse mortgages can be a solid financial tool, not just a last resort. From eliminating existing mortgage payments to establishing a growing line of credit, reverse mortgages allow borrowers to live comfortably in their family homes while planning for the future.
Neptune Township, New Jersey Reverse Mortgage Lending Limits
Neptune Township, located in Monmouth County, New Jersey, is home to approximately 27,675 residents, with 21% (or about 5,800 people) being seniors aged 62 or older.
Economy and Community
Incorporated in 1879 and named after the Roman god of the sea, Neptune Township boasts a diverse economy. Healthcare is the primary industry, with retail trade and educational services also playing significant roles in providing employment for the community.
Housing Market and Reverse Mortgage Opportunities
As of January 2024, the median home value in Neptune Township is $484,750, reflecting an 11.4% increase over the last year. Many homes in the area are valued under the federal maximum reverse mortgage lending limit of $1,209,750, making them eligible for government-insured HECM loans. However, senior homeowners with higher-valued properties can explore jumbo loan programs to access more of their home equity.
Ready to Unlock Your Home’s Equity?
As Neptune Township’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 Department of Banking & Insurance (License #0509639), we’re committed to helping you secure the retirement you deserve.
Get Your Free Quote from Neptune Township’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (732) 654-0787 to speak with a friendly expert today.
