Orange '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
Orange County 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.
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in Orange County (est) | Avg. Home Value |
|---|---|---|---|---|
| Orange County | N/A | 437 | 19 | $1,147,210 |
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 Lender
At All Reverse Mortgage, Inc. (ARLO™), we are proud to be approved by the U.S. Department of Housing and Urban Development (HUD) to offer the Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage. As a direct HUD-approved lender, we handle the entire process in-house, from application through closing.
We serve homeowners throughout Orange County, helping those who already own their homes refinance to eliminate monthly mortgage payments or access their home equity for retirement needs. Whether your goal is to pay off an existing mortgage, improve monthly cash flow, or establish a line of credit, our role is to help you understand your options clearly and accurately.
About All Reverse Mortgage, Inc.
Reverse mortgages are all we do.
Our team has more than 20 years of experience working exclusively with reverse mortgage programs. In 2008, we were part of the team that helped introduce the first fixed-rate jumbo reverse mortgage, giving us long-standing experience with both FHA-insured HECM loans and proprietary jumbo programs.
That experience matters in Orange County, where higher home values often require careful comparison between standard HECM lending limits and jumbo reverse mortgage options. We explain both the benefits and the trade-offs so you can make an informed decision based on your long-term plans.
Orange County Lending Limits (2026)
Orange County is the third most populous county in California and one of the most desirable housing markets in the state. More than 3 million people live across its 34 incorporated cities, with a wide range of home values and retirement lifestyles.
According to U.S. Census Bureau data, approximately 16 percent of Orange County residents are age 65 or older, representing an estimated 220,000 homeowners age 62 and older who may be eligible for a reverse mortgage.
For 2026, the FHA Home Equity Conversion Mortgage (HECM) lending limit is $1,249,125 nationwide. Based on Zillow Home Value Index data, the average Orange County home value remains near or above $1.1 million, meaning:
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Many homeowners remain eligible for a standard FHA-insured HECM
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Higher-value properties may benefit from jumbo reverse mortgage programs
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Side-by-side comparisons are especially important in Orange County
A reverse mortgage is not a one-size-fits-all solution, but for many homeowners approaching or in retirement, it can be a useful planning tool when evaluated carefully.
Ready to Unlock Your Home’s Equity?
As Orange County’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 Orange County Reverse Mortgage Quote from California’s #1-rated reverse mortgage lender, or call (714) 385-9730 to speak with one of our knowledgeable licensed experts.
