The Villages' #1 Reverse Mortgage*
 |
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) |
 |
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
Reverse Mortgages in The Villages
At All Reverse Mortgage, Inc. (ARLO™), we are proud to be Florida’s #1 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 Florida 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 The Villages and the surrounding area.
We invite you to compare our customer reviews, lower rates, and closing costs with those of any other lender. We’re confident you’ll see the difference, and we look forward to helping you achieve your financial goals.
The Villages Reverse Mortgage Facts (2026 Update)
| City | Homeowners Age 62+ | Reverse Mortgages Closed Last 12 Months | Active Lenders | Avg. Home Value |
|---|---|---|---|---|
| The Villages | 41,903 | 69 | 14 | $394,215 |
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 in The Villages
All Reverse Mortgage, Inc. (ARLO™) is approved by the Department of Housing and Urban Development (HUD) to originate, underwrite, and close Home Equity Conversion Mortgages (HECM), commonly known as reverse mortgages. The HECM program allows eligible homeowners aged 62 and older to access a portion of their home equity without required monthly mortgage payments, as long as they continue to live in the home and meet basic property and tax obligations.
We work with homeowners throughout The Villages and surrounding Central Florida communities, offering reverse mortgage solutions tailored to long-term retirement planning. Our focus is exclusively on reverse mortgages, including refinancing existing loans and originating new FHA-insured HECMs. Whether your goal is to eliminate a monthly mortgage payment, improve cash flow, or establish a standby line of credit, our role is to provide clear, accurate guidance so you can make informed decisions with confidence.
About All Reverse Mortgage, Inc.
The leadership of All Reverse Mortgage, Inc. brings more than 20 years of experience in the reverse mortgage industry and was involved in introducing the first fixed-rate jumbo reverse mortgage in 2008. That experience is especially relevant in retirement-focused communities like The Villages, where many homeowners have significant equity and long-term housing plans.
Our loan originators work exclusively with reverse mortgages. We take the time to explain how FHA-insured HECM loans compare to jumbo reverse mortgage programs, including borrower responsibilities, long-term considerations, and potential tradeoffs. When a traditional HECM is the best fit, we explain why. When a jumbo option may offer additional flexibility, we walk through those details clearly so you understand your choices.
For many homeowners over 62, a reverse mortgage is no longer viewed as a last resort. When used responsibly, it can be a practical financial tool to help reduce monthly expenses, preserve retirement savings, and support aging in place.
The Villages, Florida Reverse Mortgage Lending Limits (2026)
The Villages is the largest age-restricted retirement community in the United States and one of the most concentrated retirement markets in Florida. Located primarily in Sumter County, the community spans roughly 32 square miles and is home to an estimated 130,000 residents, with the majority being long-term homeowners.
Based on current Census estimates, approximately 41,903 homeowner households in The Villages are headed by someone aged 62 or older, making reverse mortgages a relevant planning option for many residents.
During the most recent 12-month period, 69 reverse mortgages were closed in The Villages, supported by 14 active lenders serving the area. This reflects consistent demand from homeowners using reverse mortgages as part of broader retirement and cash-flow planning.
As of late 2025, the average home value in The Villages is approximately $394,215. Most homes fall well within the 2026 FHA HECM lending limit of $1,249,125, allowing many residents to qualify for a standard FHA-insured reverse mortgage. For higher-valued properties, jumbo reverse mortgage programs are available to provide additional borrowing flexibility beyond the federal limit.
Ready to Unlock Your Home’s Equity?
As The Villages’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 Florida Office of Financial Regulation (License #MLD874), we’re committed to helping you secure the retirement you deserve.
Get Your Reverse Mortgage Quote from The Villages’ #1 Rated Reverse Mortgage Lender or call (352) 505-4275 to speak with a licensed expert.
