San Jose's #1 Reverse Mortgage

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 2024 lending limit of $1,149,825.

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!

San Jose Reverse Mortgage Facts

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 Jose 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.

San Jose is the largest city in Northern California, both in terms of its population and its land mass. At just over 1 million residents as of the 2020 census, the city is in close proximity to San Francisco and Oakland; together the three metros comprise nearly 10 million people. The city is also known for its adjacency to Silicon Valley, located on the southern shore of San Francisco Bay.

In addition to being known for innovation and its proximity to the country’s major technology headquarters, San Jose is a destination for its mild climate luxury lifestyle. The city is among the wealthiest in the world, with home values reflecting the high area cost of living. San Jose draws tech workers based in many of the adjacent towns such as Mountain View, where Google is based. Having its own international airport also makes San Jose an accessible location for locals and visitors alike.

San Jose’s history extends back into the 1700s, when it was founded in 1777. It later became part of Mexico in 1821 and was ceded to the United States in 1848 as a result of the Mexican American War. At one time, San Jose served as the California state capitol

The median home value in San Jose, California is $1,374,418 - an increase of 6.6 percent in the last year. This average falls well above the federal reverse mortgage lending limit of $1,149,825. For those with homes valued above the federal lending limit, there are several private jumbo reverse mortgage programs available that may better suit those homeowners by providing additional borrowing power and access to more home equity than what the traditional HECM allows.

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

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