Santa Clara County's #1 Reverse Mortgage
Reverse Mortgage Calculator
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!
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 Santa Clara County 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.
Santa Clara County is one of the most well-known areas in the U.S. After all, it’s home to Silicon Valley and to many of the world’s leading technology and service companies. Google, Facebook, PayPal and Apple are just some of the companies headquartered in Santa Clara County.
But Santa Clara County isn’t just a hotspot for groundbreaking technologies. The area is surrounded by two mountain ranges, remains temperate throughout the year and is also home to Stanford University, San Jose State University and Santa Clara University.
Santa Clara County is the sixth-largest county in California with a population of about 1.9 million, according to the U.S. Census. Senior citizens 62 years and older number just under 257,000, or about 12 percent of Santa Clara Valley’s population.
The economy in Santa Clara is primarily driven by computer, software and technology companies. Hospitals, NASA and Stanford are also major parts of the county’s economy.
The median home price in Santa Clara Valley is about $1 million, which is an increase of 3.9 percent over the last year. It is predicted that home values will continue to increase this year by 1.7 percent. This means that many homes will likely be over the maximum federal reverse mortgage lending limit of $1,149,825 that applies to all HECM loans. For homes that are valued above this limit, there are jumbo reverse mortgage loans available that can extend borrowing power beyond the federal lending limit.
If you reside in Santa Clara County All Reverse Mortgage, Inc. (ARLO™) is here to answer your questions.