Oceanside's #1 Reverse Mortgage*
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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
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 lending limit of $1,249,125.
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 (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in Oceanside (est) | Avg. Home Value |
|---|---|---|---|---|
| Oceanside | 7,000 | 60 | 10 | $848,557 |
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 Oceanside
All Reverse Mortgage, Inc. is a HUD-approved direct lender authorized to originate and service FHA Home Equity Conversion Mortgages.
A HECM reverse mortgage is a federally insured loan available to homeowners age 62 and older. It allows qualified borrowers to convert part of their home equity into usable funds while eliminating required monthly mortgage payments, as long as they live in the home and meet basic homeowner obligations.
For homeowners in Oceanside, we commonly assist with:
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Paying off an existing mortgage to eliminate monthly payments
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Improving monthly cash flow in retirement
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Establishing a line of credit that grows over time
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Comparing FHA HECM options with jumbo reverse mortgage programs
Homeowners retain title to their property and may sell or refinance at any time without a prepayment penalty.
About All Reverse Mortgage, Inc.
Reverse mortgages are our sole focus.
Our team brings 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 long-standing expertise with both FHA-backed HECMs and proprietary jumbo options.
That experience matters in Oceanside, where:
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Home values vary by neighborhood and proximity to the coast
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Many homeowners have built long-term equity
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Some properties may benefit from jumbo reverse mortgage solutions
We explain every option in plain English so you understand both the benefits and the long-term considerations.
Is a Reverse Mortgage a Good Fit in Oceanside?
A reverse mortgage isn’t right for everyone. But for many Oceanside homeowners, it can be a practical financial tool when used thoughtfully.
Common reasons homeowners explore reverse mortgages include:
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Eliminating an existing mortgage payment
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Increasing retirement cash flow
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Creating a financial safety net without selling the home
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Remaining in the home long-term while accessing equity
Because reverse mortgages impact long-term finances and heirs, we prioritize accuracy, transparency, and education at every step.
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 Oceanside Reverse Mortgage Quote from California’s #1-rated reverse mortgage lender, or call (760) 576-2225 to speak with one of our knowledgeable licensed experts.
