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Compare New Jersey's Best Reverse Mortgages

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In your current area homeowners are currently utilizing reverse mortgages to better enhance their retirement years, with nationwide!
The amount you receive is based on your home’s value, your age, and current interest rates. Let’s start with your address so I can estimate your home value…
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The minimum qualifying age for a reverse mortgage is 55. If you are within 6 months from your next birthday, I will automatically calculate you a year older.
Tip! Don’t forget to include your spouse’s age, even if they are not yet 55, as loan proceeds are always based on the age of the youngest spouse.
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Top 10 Reverse Mortgage Lenders in New Jersey

Lender Rating Experience Stars (0-5) Good Reviews Complaints BBB
All Reverse Mortgage, Inc. (ARLO) A+ 18 Yrs. 4.98 99% 0 Source
American Advisors Group (AAG) B+ 18 Yrs. 4.6 93% 100 Source
HighTech Lending Inc A+ 16 Yrs. N/A 0% 0 Source
Fairway Independent Mortgage A+ 26 Yrs. 4.97 99% 51 Source
Finance of America Reverse LLC (FAR) A+ 19 Yrs. 2.0 40% 12 Source
Liberty Home Equity Solutions Inc. A+ 19 Yrs. 2.00 40% 2 Source
Longbridge Financial LLC A+ 10 Yrs. 3.98 79% 14 Source
Mutual of Omaha Mortgage A+ 9 Yrs. 4.86 97% 47 Source
Open Mortgage LLC A+ 19 Yrs. 2.36 47% 1 Source
Reverse Mortgage Funding LLC A+ 10 Yrs. 4.23 84% 28 Source
Reviews Updated: 3/4/2023
The BBB is one of the last review sites that does not accept monetary influence in their ratings or posted reviews.

All Reverse Mortgage, Inc. (ARLO™) is proud to be New Jersey's #1 Rated Reverse Mortgage Lender celebrating 18 Years of excellence. We are the only FL company awarded an A+ Rating by the BBB with perfect 5-Star Reviews.  

Since we started in 2004, our goal has remained simple: to offer the best terms with unbeatable customer service.

We are HUD Approved and offer a full suite of HECM & Jumbo Reverse Mortgages.

Compare our competitive rates and lower costs to any competitor and realize thousands more from your home’s equity!

The difference is clear, and we can’t wait to show you!

New Jersey Reverse Mortgage Facts

Top 10 Reverse Mortgage Cities in New Jersey by MCA (December 2022)

Jersey City
Sea Girt
Tom’s River
Asbury Park
Point Pleasant
StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsPurchase Reverse Mortgages Closed Last 12 MonthsLenders in New JerseyAvg. Home Value
New Jersey560,3001,13227120$442,500 

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 New Jersey 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® of New Jersey

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 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 as well.

New Jersey Lending Limits

“The Garden State” has a population of 8,908,520 and 560,300 of those people are homeowners aged 62 and older, which means well over a half-million people may be eligible for a reverse mortgage.

The average home value in New Jersey is $442,500, which is much lower than the HECM reverse mortgage lending limit of $1,089,300.

In New Jersey’s early years, the Dutch were the first Europeans to claim the area, but Native Americans lived in the area for more than 2,800 years before that. New Jersey has the distinction of being one of the original 13 colonies which revolted against the British Crown in the mid-18th century, and therefore became one of the original United States. Both the British and American Continental Armies crossed paths numerous times across the landscape of New Jersey, giving it a nickname as “the Crossroads of the American Revolution.”

On Christmas night in 1776, Continental Army commander General George Washington and his men crossed the Delaware River, surprising the mercenary Hessian troops who fought on behalf of the British and defeated them in the Battle of Trenton. Washington would later launch a surprise attack on the British forces at Trenton in early January 1777, defeating the Crown’s forces there as well.

After the successful separation from Britain, New Jersey became only the third state to ratify the United States Constitution, and would go on to become the first state to ratify the first ten amendments to the Constitution known collectively as the “Bill of Rights.”

In the 19th century, much of the state’s economic growth came from factories that were established throughout the Industrial Revolution in Camden, Paterson, Newark, Trenton and Elizabeth, New Jersey. New Jersey was notable as a Union state which never sided with President Abraham Lincoln in either of the presidential elections in which he was a major party nominee, in 1860 and 1864 respectively. Lincoln’s Democratic opponent in 1864, former General George B. McClellan, resided in New Jersey and later became the state’s governor during the era of post-war reconstruction.

In the 20th century, New Jersey prospered during the 1920s but was drawn into the economic upheaval of the Great Depression. During both World Wars, New Jersey was a major location for wartime manufacturing, particularly for naval ships.

New Jersey’s prime location between Boston and New York City as well as its close proximity to Philadelphia, Baltimore and Washington D.C. helped the state grow through suburbanization in the second half of the 20th century.

Today, New Jersey’s economy is centered around the pharmaceutical industry, the financial industry, chemical development, telecommunications, food processing, printing, publishing and tourism.

New Jersey has been a point of tourism for many reasons. One reason being its close location to Canada as well as its gambling and entertainment opportunities in Atlantic City. The first legalized casino opened in Atlantic City in 1978 — at the time Las Vegas was the only mega-casino resort area.

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

Other Areas of Interest in New Jersey

New Jersey Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneAddressWebsiteAgency IDLanguages
Audubon, New Jersey 08106-1970
Hackensack, New Jersey 07601-7075
Hamilton, New Jersey 08619-3554
MANALAPAN, New Jersey 07726-3072
NAVICORE SOLUTIONS - MANALAPAN, NJ732-409-6281200 US Highway 9
Manalapan, New Jersey 07726-3072
AFFORDABLE HOUSING ALLIANCE, INC.732-389-29583535 Route 66 Ste 4
Neptune, New Jersey 07753-2625
Sayreville, New Jersey 08872-1457
CCCS OF DELAWARE VALLEY, INC. DBA CLARIFI800-989-2227595 Rancocas Road
WESTAMPTON, New Jersey 08060-5628

Did you know? New Jersey 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:
Reversemortgage.org NRMLA Members in New Jersey
HUD.GOV Approved Lenders Search

Our Exclusive Programs Designed to Fit Your Needs

All Reverse Mortgage© has consistently brought exclusive offers to our valued San Jose homeowners. Because of our unique process we're able to offer a better federally-insured reverse mortgage with no compromise.

Take a look at some of our program benefits that you won't find elsewhere:

Exclusive 6.680% (8.094% APR) Fixed Rate for Life
Government Insured & Jumbo Proprietary Programs
Flexible Credit Lines 6.67% (2.00 Margin) with the Industries Lowest Lifetime Rate Exposure
ZERO Origination Fee Options
ZERO Financed Closing Cost Options (*on select jumbo programs)
ZERO Monthly Servicing Fees on ALL programs
*Complete form above to receive a comparison of all available programs. Excludes state taxes when applicable. Min loan amount for $0 origination fee is $200,000. *APR ran at $200,000 loan amount / 60% or less PLF utilization. Lifetime rate cap on all adjustable rate plans just 5% over the start rate.

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!"

Browse Hundreds More...

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.
New Jersey Reverse Mortgages
(28 votes, average: 4.96 out of 5)
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