All Reverse Mortgage, Inc. (ARLO™) is proud to be California's #1 Rated Reverse Mortgage Lender by the BBB with a Perfect 5.0 Stars and A+ Exemplary Rating. We currently lend in 16 states and our headquartered in Southern California.

All Reverse Mortgage was incorporated in CA November 2004 and as the name implies, the only loan product that All Reverse Mortgage, Inc. (ARLO™) originates is in fact, the reverse mortgage.

We’re committed to be your lender because you deserve the best rate at the lowest price possible.

We’re a HUD Approved direct lender lending the national HECM programs and offer a suit of Non-FHA & Jumbo Reverse Mortgages to better suit homeowners in SoCal with higher value homes over the national 2023 lending limit of $1,089,300.

We welcome you to compare our reviews and our lower rates and closing costs to any other major lender! The difference is clear, and we can’t wait to show you!

HUD Approved Direct Lender

All Reverse Mortgage, Inc. (ARLO™) is approved with the Department of Housing and Urban Development (HUD) to originate, underwrite and close the HUD Home Equity Conversion Mortgage (HECM, or "Heck-um"). The HECM is HUD's acronym for their reverse mortgage loan.

All Reverse Mortgage, Inc. (ARLO™) originates in San Bernardino County and closes both refinance loans, where borrowers already own their home and are looking to either pay off their existing loan and have no more monthly mortgage payment, utilize their equity for other purposes if they have no existing loan, or possibly a combination of both.

About All Reverse Mortgage®

The owners and management of All Reverse were part of the team that wrote and sold the first fixed rate jumbo reverse mortgage in 2008 and as such, have extensive experience in jumbo or proprietary loan programs as well. We are always looking for new products to offer to borrowers of high valued homes in the higher home priced markets that the HUD HECM may just not serve as well. Jumbo or proprietary programs typically offer much lower Principal Limits as they relate to values though so not all borrowers are better served with the jumbo programs.

Only a seasoned originator can readily inform borrowers which program will best suit their needs and the positives and negatives of each so that the borrower can make an informed decision. It is no longer uncommon anywhere in the country for a market to be a solid HUD HECM market and then within just a short distance for a niche jumbo market to be located where there is a need for a jumbo program.

Therefore, homeowners aged 62 and above in all markets have seen that the reverse mortgage can be a very solid financial tool and many are now seeking the reverse mortgage to augment their retirement plans and not so much as a mortgage of last resort. Everything from the elimination of the existing mortgage payments to the line of credit that grows that grows make reverse mortgage borrowers understand that this program allows them to utilize their homes to not only live comfortably in their family home, but to plan for the future as well.

Located in southern California, San Bernardino County (or officially known as County of San Bernardino) is the fifth-largest county in the state. In terms of total area, San Bernardino County holds the distinction as the largest county in the contiguous U.S. The county is home to many natural wonders, from parts of Death Valley National Park and Joshua Tree National Park to the Mojave National Preserve.

Established April 26, 1853, 2.1 million people now live in the county as of 2015. The largest city is San Bernardino with a population of 212,721. According to the U.S. Census, about 264,072 residents 62 and older live in the county. They make up 12.6 percent of the county’s population.

Many San Bernardino County residents work in one of the following industries: retail trade, manufacturing, educational services, transportation, warehousing and health care assistance. Top employers include Amazon, Arrowhead Regional Medical Center, BNSF Railway, the state of California and Colton Joint Unified School District.

As of January 2023, the median home value in San Bernardino County is $453,389, a 10.7% rise from one year ago. Even with these increases, many homes will still be under the maximum federal reverse mortgage lending limit of $1,089,300 that applies to all HECM loans.

If you live in San Bernardino, your home may be eligible for a Home Equity Conversion Mortgage, which carries a maximum lending limit of $1,089,300. Or, you may be able to qualify for a jumbo reverse mortgage that provides more borrowing power for homeowners with home values exceeding the federal lending limit.

If you reside in San Bernardino County All Reverse Mortgage, Inc. (ARLO™) is here to answer your questions.

Additional Resources:
Reversemortgage.org NRMLA Members in California
HUD.GOV Approved Lenders Search

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