Serving Roseville 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
Roseville 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.
Roseville Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in Roseville (est) | Avg. Home Value |
|---|---|---|---|---|
| Roseville | 6,307 | 26 | 7 | $633,597 |
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 approved by the U.S. Department of Housing and Urban Development (HUD) to originate and service the Home Equity Conversion Mortgage, commonly known as a reverse mortgage.
As a HUD-approved direct lender, we manage the entire process in-house, from application through closing. Roseville homeowners work directly with licensed reverse mortgage professionals, not call centers or third-party brokers.
We commonly assist Roseville homeowners with:
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Paying off an existing mortgage to eliminate required monthly payments
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Improving retirement cash flow
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Establishing a line of credit that grows over time
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Evaluating whether a standard HECM or a jumbo reverse mortgage is the better fit
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 all we do.
Our team has more than 20 years of experience focused exclusively on reverse mortgage lending. In 2008, we were involved in the introduction of 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 markets like Roseville, where:
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Home values vary widely by neighborhood
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FHA lending limits are often sufficient but not always
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Jumbo programs introduce different costs and protections
Our role is to explain those differences clearly so homeowners can make informed, long-term decisions.
Roseville Lending Limits (2026)
Roseville is a growing city in Placer County and part of the greater Sacramento metropolitan area. As of 2024, the city has an estimated population of approximately 135,000 residents.
Roseville has a meaningful population of older homeowners, with more than 6,300 homeowners aged 62 and older who may be eligible for a reverse mortgage.
For 2026, the national FHA lending limit for HECM reverse mortgages is $1,249,125. Based on current Roseville home values:
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Most homes fall well below the federal HECM lending limit
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FHA-insured reverse mortgages are accessible to many qualified homeowners
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Jumbo reverse mortgage options remain available for higher-value properties
Roseville homeowners often explore reverse mortgages to eliminate monthly mortgage payments, improve retirement cash flow, or create financial flexibility while aging in place.
Ready to Unlock Your Home’s Equity?
As Roseville’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 Roseville’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (916) 571-0222 to speak with a friendly expert today.
