Oceanside's #1 Reverse Mortgage

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)

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, 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)

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)

By Michael G. Branson   Edited by Cliff Auerswald

Oceanside 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.

Oceanside Reverse Mortgage Facts

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.

Oceanside Lending Limits

Oceanside, a coastal city on California’s South Coast, is the third-largest city in San Diego County. Along with Carlsbad and Vista, the three cities form a vibrant tri-city area.

As of 2024, Oceanside has a population of approximately 176,000, with 14,500 homeowners aged 62 and older.

Oceanside is also known for the nearby military base, Camp Pendleton, founded in 1953 to help young people gain self-confidence. In 1975, Camp Pendleton became the first military base in the country to provide accommodations for Vietnamese evacuees. More than 50,000 refugees were airlifted to the base, marking history’s most significant humanitarian airlift.

Camp Pendleton is also a popular location for film producers due to its proximity to Hollywood, just 70 miles away. Notable movies filmed at Camp Pendleton include Sands of Iwo Jima (1949), MacArthur (1977), Heartbreak Ridge (1986), and Pearl Harbor (2001).

Oceanside enjoys a mild climate year-round, with the coldest temperatures dropping only to the low 60s in January. This makes the area ideal for older residents who prefer moderate weather without the extremes of very hot or cold conditions.

As of January 2024, the average home price in Oceanside is $857,800, which is below the federal lending limit for HECM loans. This means many homeowners aged 62 and older could be eligible for a reverse mortgage.

Ready to Unlock Your Home’s Equity?

As Oceanside’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 Oceanside’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (760) 576-2225 to speak with a friendly expert today.