Serving Sacramento 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
Sacramento 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.
Sacramento Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in Sacramento (est) | Avg. Home Value |
|---|---|---|---|---|
| Sacramento | 18,300 | 74 | 10 | $468,373 |
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 Serving Sacramento
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 handle the entire process in-house. Sacramento homeowners work directly with licensed reverse mortgage professionals, not third-party brokers or call centers.
We commonly assist Sacramento homeowners with:
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Paying off an existing mortgage to eliminate required monthly payments
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Improving monthly cash flow during retirement
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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 Sacramento, where:
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Home values vary significantly by neighborhood
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FHA lending limits are sufficient for most homes
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Jumbo programs may still be relevant in select cases
Our role is to explain these options clearly so homeowners can make informed, long-term decisions.
Sacramento Lending Limits (2026)
Sacramento is California’s capital city and the economic center of the Central Valley. As of 2024, the city has an estimated population of approximately 525,000 residents.
Sacramento has a substantial population of older homeowners, with more than 21,800 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 Sacramento 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
Sacramento homeowners often explore reverse mortgages to eliminate monthly mortgage payments, create financial flexibility, and support long-term retirement planning while remaining in their homes.
Ready to Unlock Your Home’s Equity?
As Sacramento’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 Sacramento’s #1 Rated Reverse Mortgage Lender, or call (916) 571-0222 to speak with a friendly expert today.
