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Home / Lenders / Reverse Mortgage Lenders, New Jersey

Compare New Jersey's Best Reverse Mortgages

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From America's #1 Rated Reverse Mortgage Lender

Top 10 Reverse Mortgage Lenders in New Jersey

Lender NameCompany Start Date Lender Rating Review Stars (0-5.0)% of Positive Reviews# of Complaints Last 3 Yrs.BBB Reviews
All Reverse Mortgage, Inc. of New Jersey05/27/2004A+5.0100%2Review Source
American Advisors Group (AAG)10/29/2004A- 4.182% 46Review Source
Reverse Mortgage Funding LLC09/25/2012A+ 3.0 60% 7Review Source
Live Well Financial, Inc. 08/28/2008 A+2.117%9Review Source
One Reverse Mortgage, LLC (Quicken Loans Inc.)07/12/2001A+ 4.0 80% 4Review Source
Liberty Home Equity Solutions, Inc.09/05/2003A+ 2.1 42% 2Review Source
HighTechLending Inc06/06/2006 B+ 3.0 60%2Review Source
Reverse Mortgage Solutions, Inc.02/21/2007F 1.051%86Review Source
Synergy One Lending, Inc. (Retirement Funding Solutions)01/09/2013 A+N/AN/A1Review Source
Finance of America Reverse LLC10/15/2003A+ N/AN/A3Review Source
*Source: BBB Lender Ratings as of 05-20-2019

All Reverse Mortgage® is proud to be New Jersey'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 including all of New Jersey.

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 Mortgage to better suit homeowners in NJ 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.

New Jersey Reverse Mortgage Facts

StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsPurchase Reverse Mortgages Closed Last 12 MonthsLenders in New JerseyAvg. Home Value
New Jersey698,3821,17427161$334,900

HUD Approved Direct Lender

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 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®

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.

New Jersey Lending Limits

The Garden state has a population of 8,908,520 and 535,262 of those people are homeowners age 62 and older, which means more than five hundred thousand people may be eligible for a reverse mortgage.

The median home value in New Jersey is $334,900, which is much lower than the HECM reverse mortgage lending limit of $726,525.

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. 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’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, the 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® 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.

Other Areas of Interest in New Jersey

New Jersey Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneAddressWebsiteAgency IDLanguages
SENIOR CITIZENS UNITED COMMUNITY SERVICES OF CAMDEN COUNTY, INC.856-456-1121-141537 W Nicholson Rd
Audubon, New Jersey 08106-1970
www.scucs.org80409English
Spanish
COUNTY OF BERGEN, DEPARTMENT OF HUMAN SERVICES, DIVISION OF SENIOR SERVICES201-336-74001 Bergen County Plz Fl 2
Hackensack, New Jersey 07601-7075
www.co.bergen.nj.us80398Korean
English
Spanish
FAMILY GUIDANCE CENTER CORPORATION609-586-25741931 Nottingham Way
Hamilton, New Jersey 08619-3554
www.fgccorp.org82094English
Spanish
GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NAVICORE SOLUTIONS732-409-6281200 U.S. Highway 9 North
MANALAPAN, New Jersey 07726-3072
www.navicoresolutions.org84870English
Spanish
NAVICORE SOLUTIONS - MANALAPAN, NJ732-409-6281200 US Highway 9
Manalapan, New Jersey 07726-3072
www.navicoresolutions.org82226English
Spanish
AFFORDABLE HOUSING ALLIANCE, INC.732-389-29583535 Route 66 Ste 4
Neptune, New Jersey 07753-2625
www.housingall.org82133English
Spanish
FAITH FELLOWSHIP COMMUNITY DEVELOPMENT CORPORATION732-727-95002707 Main St
Sayreville, New Jersey 08872-1457
ffcdc.net82472English
Spanish
CCCS OF DELAWARE VALLEY, INC. DBA CLARIFI800-989-2227595 Rancocas Road
WESTAMPTON, New Jersey 08060-5628
www.clarifi.org82443English

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:
Top 10 Lender Reviews & Ratings
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 New Jersey 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 4.25% (5.95% APR) Fixed Rate for Life
Government Insured & Jumbo Proprietary Programs
Flexible Credit Lines from 2.98% with the Industries Lowest Lifetime Rate Exposure
ZERO Origination Fee Plans
ZERO Financed Closing Cost Plans
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 $40,000. *APR ran at $185,000 loan amount / 60% or less PLF utilization. Lifetime rate cap on all adjustable rate plans just 5% over the start rate.

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 New Jersey 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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New Jersey Reverse Mortgages
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