Serving San Francisco Homeowners Since 2004

San Francisco 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.

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 Francisco

All Reverse Mortgage, Inc. (ARLO™) is approved by the U.S. Department of Housing and Urban Development (HUD) to originate Home Equity Conversion Mortgages (HECMs), commonly known as reverse mortgages.

As a HUD-approved direct lender, we manage the entire process in-house, from application through closing. San Francisco homeowners work directly with licensed reverse mortgage specialists who focus exclusively on this type of loan.

We help homeowners throughout San Francisco who want to:

• Eliminate required monthly mortgage payments

• Access home equity for retirement income or long-term planning

• Establish a line of credit that grows over time

• Compare FHA-insured HECM options with jumbo reverse mortgage programs

Homeowners retain title to 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 solely on reverse mortgage lending. In 2008, we were involved in introducing the first fixed-rate jumbo reverse mortgage, giving us deep expertise in both FHA-insured HECM loans and proprietary jumbo programs.

That experience is especially important in San Francisco, where home values frequently exceed federal lending limits and careful program selection matters. We explain each option clearly, including benefits and tradeoffs, so homeowners can make informed decisions without pressure.

San Francisco Lending Limits (2026)

San Francisco is one of the most unique and valuable housing markets in the country. As of 2024, the City of San Francisco has a population of approximately 880,000, with more than 33,000 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 $1,268,418, many San Francisco properties exceed the FHA lending limit. While FHA-insured HECM loans are still available up to the federal cap, homeowners with higher-valued properties often consider jumbo reverse mortgage programs to access a greater portion of their home equity.

Both options can play a role in retirement planning, depending on age, goals, property value, and long-term plans.