San Diego's #1 Reverse Mortgage*
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ARLO™REVERSE MORTGAGE
ASSISTANT |
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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 Diego 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.
San Diego Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in San Diego (est) | Avg. Home Value |
|---|---|---|---|---|
| San Diego | 46,000 | 189 | 14 | $972,713 |
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 San Diego
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 (HECM), commonly known as a reverse mortgage.
As a HUD-approved direct lender, we handle the entire process in-house, from application through closing. San Diego homeowners work directly with licensed reverse mortgage specialists who focus exclusively on this type of loan.
We help homeowners throughout the City of San Diego who want to:
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Pay off an existing mortgage and eliminate required monthly payments
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Access home equity for retirement income, healthcare, or long-term planning
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Establish a line of credit that grows over time
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Compare FHA-insured HECM options with jumbo reverse mortgage programs when appropriate
Homeowners keep title to their home and can sell or refinance at any time without a prepayment penalty.
About All Reverse Mortgage, Inc.
Reverse mortgages are all we do.
Our team has over 20 years of experience dedicated solely to reverse mortgage lending. In 2008, we were involved in the introduction of the first fixed-rate jumbo reverse mortgage, giving us deep experience with both FHA-insured HECM loans and proprietary jumbo programs.
That matters in San Diego, where home values, coastal neighborhoods, and retirement needs vary widely. Our job is to explain the options clearly, including the advantages and tradeoffs of each program, so homeowners can make informed decisions without pressure.
San Diego Lending Limits (2026)
San Diego is California’s second-largest city and one of the most desirable retirement destinations in the country. As of 2024, the City of San Diego has a population of approximately 1.38 million residents, with over 92,000 homeowners aged 62 and older.
For 2026, the national FHA lending limit for Home Equity Conversion Mortgages (HECMs) is $1,249,125.
With an average home value of $972,713, many San Diego homeowners fall comfortably within the HECM lending limit. This makes FHA-insured reverse mortgages a viable option for eliminating monthly mortgage payments or creating additional retirement cash flow.
For homeowners with properties valued above the FHA limit, jumbo reverse mortgage programs may allow access to a larger portion of home equity, depending on age, property type, and program guidelines.
Ready to Unlock Your Home’s Equity?
As San Diego’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 Diego’s #1 Rated Reverse Mortgage Lender, or call (619) 458-3676 to speak with a friendly expert today.
