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Get MORE from Your Equity with All Reverse Mortgage®

Santa Clara County HUD Approved Direct Lender

Santa Clara County Reverse Mortgage Lenders

All Reverse Mortgage® is headquartered in California and provides lending services around the country. All Reverse began in November 2007 and as the name implies, the only loan product that All Reverse Mortgage® originates is the residential reverse mortgage loan.

We offer reverse mortgages to Santa Clara County homeowners and our staff has a combined lending experience exceeding 100 years with national mortgage banking experience on both coasts and points between. Due to this varied direct experience, All Reverse Mortgage Company is well positioned to be able to assist borrowers with all the specific needs associated with the reverse mortgage programs.

HUD Approved Direct Lenders

United Southwest and All Reverse are approved lenders with HUD (Department of Housing and Urban Development) 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 originates in Santa Clara County and closes both refinance loans where borrowers already own their home and are looking 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 the mortgage of last resort. Everything from the elimination of the existing mortgage payments to the line of credit 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 Lending Limits

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 $636,150 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® is here to answer your questions. Access our free calculator to estimate your reverse mortgage lending limit or call usToll Free(800) 565-1722

Additional Resources:
How to find the Best Reverse Mortgage Lender
HUD.GOV Lender List
ReverseMortgage.org Lender Finder

Our Exclusive Programs Designed to Fit Your Needs.

All Reverse Mortgage© has consistently broughtexclusive offers to our valued Santa Clara County homeowners. Because of our unique process we're able to offer a better federally-insured reverse mortgage with no compromise.

Take a look at some of our program benefits that you won't find elsewhere:

Exclusive 4.25% (5.95% APR) Fixed Rate for Life
Government Insured & Jumbo Proprietary Programs
Flexible Credit Lines from 2.98% with the Industries Lowest Lifetime Rate Exposure
ZERO Origination Fee Plans
ZERO Financed Closing Cost Plans
ZERO Monthly Servicing Fees on ALL programs
*Complete form above to receive a comparison of all available programs. Excludes state taxes when applicable. Min loan amount for $0 origination fee is $40,000. *APR ran at $185,000 loan amount / 60% or less PLF utilization. Lifetime rate cap on all adjustable rate plans just 5% over the start rate.

How can we offer you more favorable terms?

We are a direct lender approved by FHA (Federal Housing Administration)
The HECM is literallyall we do. All Reverse Mortgage is not just a name for us. We have a very low (almost non-existent) staff turnover and our people are experts.
We don't work with Brokers, allowing us to pass the savings on to you.
We don't hire "celebrity" spokespersons as we don't believe you should have to pay for a lender's expensive marketing budget with higher loan costs.
We Charge Less! Check out our competition and our customer ratings. We never forget that this loan is about you and your needs and we put you first with superior service and lower costs.

All Reverse vs. the others

It may surprise you but those "celebrities" you see all over TV have some of the worst independent consumer ratings in the industry. Compare us and you will see the crystal clear difference, from customer service to loan terms we never compromise.

HUD approved direct lender.

Working with a local Santa Clara County, OR lender saves you time and money.

As an award-winning direct lender our goal remains simple; to offer you the very best terms accompanied by extraordinary customer service.

What Our Customers Are Saying

"There was no car salesman type of protracted negotiation. All reverse got right down to a good quote without a series of incremental steps."
"I was surprised how easy it was to deal with an out of state company. Actually it was much easier than my previous dealings with local banks and brokers"
"It is a wonderful feeling to have no mortgage and extra cash in our pocket. We are very happy."
"Thank you to All Reverse for handling everything in an efficient and smooth way. Thoroughly appreciate everything you have done to make things easy for me."
"This was the smoothest mortgage process I have ever experienced! And so fast!"

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Santa Clara County Reverse Mortgages
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