San Jose's #1 Reverse Mortgage*
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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 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 Jose Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Lenders in San Jose (est) | Avg. Home Value |
|---|---|---|---|---|
| San Jose | 30,000 | 90 | 11 | $1,379,464 |
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 Jose
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 handle the entire process in-house, from application through closing. San Jose homeowners work directly with licensed reverse mortgage specialists who focus exclusively on reverse mortgage lending.
We help homeowners in San Jose who want to:
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Eliminate required monthly mortgage payments
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Access home equity for retirement income 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
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 exclusively 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 matters in markets like San Jose, where home values frequently exceed federal lending limits and choosing the right structure can significantly affect how much equity is available and how long it lasts. We explain each option clearly, including benefits and tradeoffs, so homeowners can make informed decisions without pressure.
San Jose Lending Limits (2026)
San Jose is the largest city in Northern California by population and land area, with approximately 1 million residents as of the most recent estimates. The city is a core part of Silicon Valley and one of the highest-value housing markets in the United States.
For 2026, the national FHA lending limit for Home Equity Conversion Mortgages (HECMs) is $1,249,125.
With an average home value of $1,379,464, many San Jose properties exceed the FHA lending limit. While FHA-insured HECM loans are 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 HECM and jumbo reverse mortgages can be effective retirement planning tools, depending on age, goals, property value, and long-term plans.
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, or call (408) 550-7279 to speak with a friendly expert today.
