All Reverse Mortgage, Inc. (ARLO™) is proud to be Arizona'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 Arizona.

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 2023 lending limit of $1,089,300.

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!

Surprise 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 Surprise 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.

Located in Maricopa County, Surprise, Arizona has seen rapid expansion in the last 15 years. From 2000 to 2010, the population grew 218% from just over 30,000 residents to over 117,000. Because of this, Surprise is the second fastest expanding area among all cities and towns in Arizona.

Arizona in general is also an ideal location for older adults and those who may want to retire to a warmer climate. But Surprise has just under 15,000 homeowners age 62 and older, which is about 12.5% of the cities population, as of the 2010 census.

This makes the city an ideal area for many to explore the option of a reverse mortgage. Even more, the average home value in Surprise as of January 2023 is about $443,603, which is well under the federal HECM lending limit of $1,089,300.

Surprise is surrounded by nature including a lake and the Sonoran desert. The city has become an ideal location to open a business, but back when it was founded in 1938, the founder Flora Mae Stalter didn't think it would amount to much. She actually gave the city the name of Surprise because she once said "she would be surprised if the town ever amounted to much." In fact, it did and is booming.

The city is also home to Surprise Stadium where spring training is held for the Texas Rangers and Kansas City Royals.

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

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