Sun City's #1 Reverse Mortgage*

Sun City Reverse Mortgage Lenders

At All Reverse Mortgage, Inc. (ARLO™), we are proud to be Arizona’s top-rated reverse mortgage lender, as recognized by the Better Business Bureau. We have a perfect 5-star rating and an A+ exemplary score. We’ve been serving Arizona homeowners since 2004 and are dedicated to providing reverse mortgages that help you enjoy your retirement years with peace of mind.

We understand that you deserve the best possible rate with the lowest costs. That’s why we focus solely on reverse mortgages, ensuring you receive expert guidance every step of the way. As a HUD-approved direct lender, we offer both national HECM programs and specialized jumbo Reverse Mortgages for homeowners with higher-value properties in Arizona.

We invite you to compare our customer reviews, lower rates, and closing costs with any other lender. We’re confident you’ll see the difference, and we look forward to helping you achieve your financial goals.

All Reverse Mortgage, Inc. is licensed by the Arizona Department of Financial Institutions (License/Registration #BK0934287)

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).

Sun City Reverse Mortgage Facts (2026 Update)

The table above reflects verified HUD-reported reverse mortgage activity for Sun City, Arizona, using a true rolling 12-month period from December 2024 through November 2025.

Key facts for Sun City homeowners:

• Sun City has an estimated 21,000 homeowners age 62 and older, based on U.S. Census ACS owner-occupied household data.

• 41 reverse mortgages closed in the past 12 months.

• 7 active lenders completed at least one HECM in Sun City during this period, measured by distinct FHA sponsor numbers.

• The average home value is approximately $296,000, based on late-2025 market median data, not appraisal caps or loan limits.

All reverse mortgage counts and lender totals come directly from U.S. Department of Housing and Urban Development HECM Snapshot endorsement data. These figures reflect actual loans closed and lenders active in the community, not estimates or projections.

HUD-Approved Direct Reverse Mortgage Lender

At All Reverse Mortgage, Inc. (ARLO™), we are a HUD-approved direct lender authorized to originate and service the FHA Home Equity Conversion Mortgage, commonly known as a reverse mortgage.

The HECM program is federally insured and designed for homeowners age 62 and older. It allows qualified borrowers to access a portion of their home equity while eliminating required monthly mortgage payments, as long as they continue to live in the home and meet basic homeowner responsibilities.

In Sun City, we commonly assist homeowners with:

• Paying off an existing mortgage to eliminate the monthly payment

• Accessing home equity for retirement income or other financial needs

• Establishing a line of credit that grows over time

• Refinancing an existing reverse mortgage when it makes sense

Borrowers may repay the loan or sell the home 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 helping older homeowners evaluate reverse mortgage options clearly and responsibly. We were part of the team that created and delivered the first fixed-rate jumbo reverse mortgage in 2008, giving us deep experience across both FHA-insured and proprietary programs.

Today, we offer:

• FHA-insured HECM reverse mortgages

• Jumbo and proprietary reverse mortgages for higher-value homes

• Reverse mortgage refinance options

Our role is to explain how each option works, where it fits, and where it may not. Clear information leads to better long-term decisions.

Sun City Reverse Mortgage Lending Limits

Sun City is one of the nation’s original age-restricted retirement communities and remains a popular destination for homeowners planning to age in place. The community has a high concentration of long-term homeowners who have built equity over decades.

With an average home value around $296,000, most Sun City properties fall well below the 2026 FHA HECM lending limit of $1,249,125. That makes the standard HUD-insured reverse mortgage accessible to a large share of eligible homeowners.

Because many homes in Sun City are modestly priced, reverse mortgages are often used to eliminate an existing mortgage payment or establish a flexible line of credit rather than to access large lump sums.

For homeowners with higher-value properties, proprietary jumbo reverse mortgage programs may offer additional borrowing flexibility. These loans are privately funded and are not FHA-insured, so terms and protections differ.

Is a Reverse Mortgage a Good Fit in Sun City?

For the right homeowner, a reverse mortgage can be a practical retirement planning tool.

Sun City homeowners often explore reverse mortgages to:

• Eliminate monthly mortgage payments

• Improve monthly cash flow during retirement

• Create a standby line of credit for future needs

• Remain in their home long-term without downsizing

A reverse mortgage is not right for everyone. Loan balances grow over time, and the home will eventually need to be sold or refinanced when the last borrower leaves the property. Understanding those tradeoffs upfront is essential.

Accurate data and clear guidance matter.

Ready to Unlock Your Home’s Equity?

As Sun City’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 Department of Insurance and Financial Institutions (License #0911085), we’re committed to helping you secure the retirement you deserve.

Get Your Free Quote from Sun City’s #1 Rated Reverse Mortgage Lender, or call (623) 244-4664 to speak with one of our knowledgeable experts today.