Serving Santa Clara County Homeowners Since 2004
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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
Santa Clara 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.
HUD-Approved Reverse Mortgage Counseling Agencies in California
| Name | Agency ID | Address | Phone | Web Site |
|---|---|---|---|---|
| BALANCE - CONCORD | 90242 | 1655 Grant St, Concord, California, 94520-2600 | (800) 777-7526 | balancepro.org |
| BALANCE - SAN FRANCISCO | 80646 | 3543 18th St, San Francisco, California, 94110-1683 | (800) 777-7526 | balancepro.org |
| BALANCE - SANTA ROSA | 81721 | 3033 Cleveland Ave, Santa Rosa, California, 95403-2126 | (800) 777-7526 | balancepro.org |
| BALANCE-SF 3RD STREET | 90742 | 5172 3rd St, San Francisco, California, 94124-2302 | (888) 456-2227 | balancepro.org |
| CAROLYN E. WYLIE CENTER FOR CHILDREN, YOUTH | 90677 | 4164 Brockton Ave, Riverside, California, 92501-3400 | (951) 683-5193 | wyliecenter.org |
| CREDIT.ORG | 82722 | 1825 Chicago Ave, Riverside, California, 92507-2367 | (951) 414-2454 | credit.org |
| CREDIT.ORG - NATIONAL CITY | 90273 | 2140 Hoover Ave, National City, California, 91950-6514 | (619) 830-4802 | credit.org |
| CREDIT.ORG - RIVERSIDE | 84701 | 1450 Iowa Ave Ste 200, Riverside, California, 92507-0508 | (800) 947-3752 | credit.org |
| GREENPATH FINANCIAL WELLNESS | 90351 | 2525 Main St, Irvine, California, 92614-6682 | (888) 860-4167 | greenpath.org |
| INLAND FAIR HOUSING AND MEDIATION BOARD | 80034 | 3175 Sedona Ct Ste D, Ontario, California, 91764-6561 | (800) 321-0911 | ifhmb.com |
| MY WAY HOME | 84058 | 2231 Sturgis Rd Unit A, Oxnard, California, 93030-7813 | (805) 273-7800 | mywayhome.org |
| NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT | 80759 | 7677 OakPort Street, Suite 1030, 10th Fl, OAKLAND, California, 94621-1929 | (510) 268-9792 | nidhousing.com |
| NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES, INC. | 81110 | 9551 Pittsburgh Ave, Rancho Cucamonga, California, 91730-6008 | (909) 988-5979 | nwoc.org |
| NHS OF ORANGE COUNTY dba NEIGHBORWORKS ORANGE | 81605 | 1748 W Katella Ave Ste 202, Orange, California, 92867-3430 | (714) 490-1250 | nwoc.org |
| COUNTY | 90449 | 23945 Sunnymead Blvd, MORENO VALLEY, California, 92553-3025 | (951) 399-4538 | nidhousing.com |
| PROJECT SENTINEL | 81800 | 1490 El Camino Real, Santa Clara, California, 95050-4609 | (408) 720-9888 | housing.org |
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
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.
Santa Clara Lending Limits
Santa Clara County is one of the most well-known areas in the U.S., home to Silicon Valley and many of the world’s leading technology and service companies. Google, Facebook, PayPal, and Apple are just a few major corporations headquartered in Santa Clara County.
But Santa Clara County isn’t just a hotspot for groundbreaking technologies. Two mountain ranges surround the area, which enjoys a temperate climate year-round and is home to prestigious institutions such as 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 1.93 million as of 2024. Just under 260,000 of the population are seniors aged 62 and older, accounting for about 12 percent of Santa Clara Valley’s residents.
The computer, software, and technology sectors primarily drive the economy in Santa Clara. Hospitals, NASA, and Stanford University are major contributors to the county’s economic landscape.
As of 2024, the median home price in Santa Clara Valley is around $1,040,000, reflecting a 3.9 percent increase over the past year. Home values are expected to continue rising by another 1.7 percent this year. As a result, many homes in the area may exceed the maximum federal reverse mortgage lending limit of $1,249,125, which applies to all HECM loans. For those with homes valued above this limit, jumbo reverse mortgage loans offer extended borrowing power beyond the federal lending limit.
Ready to Unlock Your Home’s Equity?
As Santa Clara’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 Santa Clara’s #1 Rated Reverse Mortgage Lender! Use our reverse mortgage calculator, or call (408) 550-7279 to speak with a friendly expert today.
