Oregon's #1 Rated 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)

By Michael G. Branson   Edited by Cliff Auerswald  

Reverse Mortgages in Oregon: A Comprehensive Guide

If you’re an Oregon homeowner aged 62 or older, a reverse mortgage could be a valuable tool to help you unlock the equity in your home and improve your financial security during retirement.  In this guide, we’ll cover everything you need to know about reverse mortgages in Oregon, including key facts, the latest statistics, top lenders, and essential protections.

About All Reverse Mortgage, Inc. of Oregon

At All Reverse Mortgage, Inc. (ARLO™), we’ve spent two decades serving homeowners across the nation, earning our reputation as one of the most trusted reverse mortgage providers.  With an A+ rating from the Better Business Bureau and countless 5-star reviews, we’re known for offering exceptional service, competitive rates, and lower costs.

Since 2004, our mission has been to help Oregon homeowners make the most of their home equity.  Whether it’s paying off an existing loan, creating a safety net with a growing line of credit, or simply enjoying financial peace of mind, we provide personalized guidance every step of the way.  Our team even pioneered the first fixed-rate jumbo reverse mortgage in 2008, giving us unmatched expertise in these innovative loan programs.

As a HUD-approved reverse mortgage lender, we offer both HECM and jumbo Reverse Mortgages tailored to your unique situation.  While jumbo loans can be an excellent choice for higher-value homes, they often come with lower Principal Limits.  Our experts are here to help you evaluate the benefits and make the decision that’s right for your financial goals.

Across Oregon, homeowners aged 62 and older are embracing reverse mortgages not as a last resort but as a practical retirement strategy.  From eliminating monthly mortgage payments to accessing growing credit lines, our clients enjoy the financial freedom to stay in their homes while planning for a secure future.

At All Reverse Mortgage, Inc. (ARLO™), we look forward to serving you with the professionalism, transparency, and care that have defined our company from the start.

Key Facts About Oregon Reverse Mortgages

Latest 2025 Reverse Mortgage Statistics for Oregon

Top Reverse Mortgage Lenders in Oregon

Oregon Reverse Mortgage Lending Limits for 2025

Oregon, known as “The Beaver State,” has a population of over 4.2 million, with more than 469,560 homeowners aged 62 and older.  This means that over a quarter of a million Oregonians may qualify for a reverse mortgage, providing a way to access their home’s equity.

Oregon’s history is rich and diverse, from its early days as home to numerous Native American tribes to the arrival of European explorers and the famous Lewis and Clark Expedition.  The state’s geographic diversity includes everything from volcanoes and forests to deserts and lakes, making it a unique place to live.

Oregon’s economy is powered by agriculture, fishing, hydroelectric power, and tourism.  The state’s natural beauty draws visitors to its forests, mountains, and coastlines.  At the same time, cities like Portland offer cultural attractions such as the Oregon Museum of Science and Industry and the Portland Art Museum.

Home values in Oregon have risen in recent years, with the average home value at $490,096.  While values may fluctuate, the opportunity to access your home’s equity through a reverse mortgage remains a valuable option.

If you reside in Oregon, All Reverse Mortgage, Inc. (ARLO™) is here to answer your questions and provide the support you need to make the best decision for your financial future.

Essential Protections and Requirements for Oregon Reverse Mortgages

In Oregon, reverse mortgages are governed by federal guidelines and additional state-specific protections to ensure transparency and consumer confidence.  For those considering a reverse mortgage, here are the key requirements and safeguards you should know:

1. Mandatory HUD-Approved Counseling:
   Oregon requires all reverse mortgage applicants to complete a HUD-approved counseling session before proceeding with the loan.  This ensures borrowers fully understand the loan’s structure, benefits, and potential alternatives.  A signed certificate must be presented to the lender before the application is finalized.
2. Protection Against Tied Financial Products:
   Oregon prohibits lenders from requiring borrowers to purchase additional financial products, such as annuities, as a condition of obtaining a reverse mortgage.  This ensures a fair and unbiased process.
3. Clear Disclosure of Tax and Insurance Responsibilities:
   Borrowers are required to maintain their property taxes, homeowners insurance, and home maintenance.  Oregon lenders must clearly disclose these obligations to prevent misunderstandings that could lead to foreclosure.
4. Cooling-Off Period:
   Oregon provides borrowers with a mandatory waiting period before finalizing a reverse mortgage.  This allows time to review loan terms and consult with trusted advisors or family members, ensuring a well-informed decision.
5. Licensed Loan Originators:
   All reverse mortgage lenders operating in Oregon must be properly licensed and adhere to strict state standards for professionalism and transparency, giving borrowers confidence in the lending process.
6. Equity Safeguards Under Oregon Law:
   Oregon protects homeowners by enforcing strict rules on equity preservation, ensuring borrowers retain control of their home’s equity and that reverse mortgage terms are clear and beneficial.

HUD-Approved Reverse Mortgage Counseling Agencies in Oregon

Did you know?  Oregon State does not mandate in-person counseling.  Visit our counseling page for a list of phone-based counseling agencies, and you can conduct your required counseling from the comfort of your home.

Other Areas of Interest in Oregon

Albany Ashland Beaverton Bend Central Point Corvallis Eugene Grant's Pass Gresham Hillsboro Klamath Falls Medford Newberg Newport Oregon City Portland Redmond Roseburg Salem Terrebonne Tigard West Linn

Ready to Unlock Your Home’s Equity?

As Oregon’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 Oregon Division of Financial Regulation (License #ML-4917), we’re committed to helping you secure the retirement you deserve.

Get Your Free Quote from Oregon’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (800) 565-1722 to speak with a friendly expert today.

Additional Resources:

• Reversemortgage.org NRMLA Members in Oregon
• HUD.GOV Approved Lenders Search