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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 Jose 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 2025 lending limit of $1,209,750.
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 Jose Reverse Mortgage Facts
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Purchase Reverse Mortgages Closed Last 12 Months | Lenders in San Jose (est) | Avg. Home Value |
|---|---|---|---|---|---|
| San Jose | 45,080 | 126 | 2 | 98 | $1,374,418 |
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 Jose Lending Limits
San Jose is the largest city in Northern California in terms of population and land mass. With just over 1 million residents as of the 2020 census, San Jose is part of a thriving metropolitan area that includes San Francisco and Oakland; these three cities comprise nearly 10 million people. San Jose is also renowned for its proximity to Silicon Valley, located on the southern shore of San Francisco Bay.
In addition to being known for innovation and its proximity to the nation’s major technology headquarters, San Jose is a destination prized for its mild climate and luxurious lifestyle. The city ranks among the wealthiest in the world, with home values reflecting the high cost of living in the area. San Jose attracts tech workers from nearby towns like Mountain View, where Google is based. Its international airport further enhances the city’s accessibility for both locals and visitors.
San Jose’s history dates back to the 1700s when it was founded in 1777. It became part of Mexico in 1821 and was ceded to the United States in 1848 following the Mexican-American War. At one point, San Jose even served as the capital of California.
As of 2024, the median home value in San Jose is $1,374,418, reflecting a 6.6 percent increase over the past year. This average home value is well above the federal reverse mortgage lending limit of $1,209,750. Several private jumbo reverse mortgage programs are available for homeowners with properties valued above this limit, providing additional borrowing power and access to more home equity than the traditional HECM allows.
Ready to Unlock Your Home’s Equity?
As San Jose’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 Jose’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (408) 550-7279 to speak with a friendly expert today.
