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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
San Bernardino 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 2025 lending limit of $1,209,750.
We invite you to compare our reviews, rates, and closing costs with any other lender. We’re confident you’ll see the difference and are excited to help you make the most informed decision.
HUD-Approved Direct Lender
At All Reverse Mortgage, Inc. (ARLO™), we are proud to be approved by the Department of Housing and Urban Development (HUD) to offer the Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage. We take care of everything, from the application to closing, ensuring you’re in good hands every step of the way.
We serve homeowners in Anaheim, helping those who already own their homes refinance to eliminate their monthly mortgage payments or access their home equity for other needs. Whether you want to pay off your existing loan, free up some extra cash, or do both, we’re here to help.
About Us
Our team at All Reverse Mortgage has deep experience in the industry. In 2008, we were part of the group that introduced the first fixed-rate jumbo reverse mortgage, so we understand both HUD-backed HECM loans and jumbo (or proprietary) loans. This expertise allows us to offer options for homeowners with higher-value homes that may not be fully covered by HUD’s HECM program.
Choosing the right loan can be challenging, but our experienced originators are here to guide you. We’ll explain the options, including the pros and cons of each, so you can make the best decision for your situation. Whether a HUD HECM or a jumbo loan is right for you depends on your unique needs, and we’ll ensure you have all the information to make an informed choice.
For homeowners aged 62 and older, a reverse mortgage can be a valuable financial tool. It’s not just a last resort; many are using it to enhance their retirement plans. With a reverse mortgage, you can eliminate monthly mortgage payments or set up a line of credit that grows over time, helping you live comfortably and plan for the future.
San Bernardino Lending Limits
In Southern California, San Bernardino County is the fifth-largest county in the state by population. It holds the distinction of being the largest county by total area in the contiguous United States. The county has various natural wonders, including parts of Death Valley National Park, Joshua Tree National Park, and the Mojave National Preserve.
Established on April 26, 1853, San Bernardino County has grown to approximately 2.2 million people as of 2024. The largest city in the county is San Bernardino, with a population of 218,000. According to the U.S. Census, approximately 270,000 residents aged 62 and older live in the county, making up 12.3 percent of the population.
San Bernardino County’s economy is diverse, with many residents working in industries such as retail trade, manufacturing, educational services, transportation, warehousing, and healthcare. Top employers in the county include Amazon, Arrowhead Regional Medical Center, BNSF Railway, the State of California, and the Colton Joint Unified School District.
As of January 2024, the median home value in San Bernardino County is $472,600, reflecting a 9.5% increase over the past year. Despite these increases, many homes in the county remain below the maximum federal reverse mortgage lending limit of $1,209,750, which applies to all Home Equity Conversion Mortgage (HECM) loans.
If you live in San Bernardino County, your home may be eligible for a HECM reverse mortgage, with a maximum lending limit of $1,209,750. For homeowners with properties valued above this limit, a jumbo reverse mortgage may provide more borrowing power and better suit your needs.
Ready to Unlock Your Home’s Equity?
As San Bernardino’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 San Bernardino’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (909) 707-5773 to speak with a friendly expert today.
