Serving Oakland Homeowners Since 2004
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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
Oakland Reverse Mortgages
All Reverse Mortgage, Inc. (ARLO™) is proud to be California’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 and our headquartered in Southern California.
All Reverse Mortgage was incorporated in CA November 2004 and as the name implies, the only loan product that All Reverse Mortgage, Inc. (ARLO™) 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 offering the national HECM programs and offer a suite of Non-FHA & Jumbo Reverse Mortgages to better suit homeowners in Oakland with higher value homes over the national 2026 lending limit of $1,249,125.
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!
Oakland Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in Oakland (est) | Avg. Home Value |
|---|---|---|---|---|
| Oakland | 12,900 | 23 | 7 | $687,040 |
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 Oakland
All Reverse Mortgage, Inc. is a HUD-approved direct lender authorized to originate and service the FHA Home Equity Conversion Mortgage.
A HECM reverse mortgage is a federally insured loan available to 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 standard homeowner obligations.
For homeowners in Oakland, we commonly assist with:
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Paying off an existing mortgage to eliminate monthly payments
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Improving monthly retirement cash flow
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Establishing a line of credit that grows over time
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Comparing standard HECM options with jumbo reverse mortgage programs
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 our only focus.
Our team has more than 20 years of experience working exclusively with reverse mortgage programs. In 2008, we helped introduce the first fixed-rate jumbo reverse mortgage, giving us deep expertise in both FHA-insured HECM loans and proprietary jumbo options.
That experience is especially relevant in Oakland, where:
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Home values vary widely by neighborhood
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Many homeowners have substantial long-term equity
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Some properties may benefit from jumbo reverse mortgage programs
We take the time to explain how each option works so you understand both the benefits and the long-term considerations.
Is a Reverse Mortgage a Good Fit in Oakland?
A reverse mortgage isn’t the right solution for everyone. But for many Oakland homeowners, it can be a practical tool when used thoughtfully as part of a broader retirement strategy.
Common reasons homeowners explore reverse mortgages include:
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Eliminating an existing mortgage payment
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Increasing monthly cash flow in retirement
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Creating a financial safety net without selling the home
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Remaining in their home long-term while accessing equity
Because reverse mortgages affect long-term finances and heirs, clarity and accuracy always come first.
Ready to Unlock Your Home’s Equity?
As Oakland’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 Oakland Reverse Mortgage Quote from California’s #1-rated reverse mortgage lender, or call (510) 556-8440 to speak with one of our knowledgeable licensed experts.
