Tom’s River Reverse Mortgage Lenders

At All Reverse Mortgage, Inc. (ARLO™), we are proud to be New Jersey’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 New Jersey 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 Tom’s River 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.

Toms River Reverse Mortgage Facts (2026 Update)

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Lenders in Toms River (est) Avg. Home Value
Toms River 31,500 86 12 $466,992

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

All Reverse Mortgage, Inc. (ARLO™) is approved by the Department of Housing and Urban Development (HUD) to originate, underwrite, and close the Home Equity Conversion Mortgage (HECM), the federally insured reverse mortgage program.

As a direct lender, we oversee the entire process in-house and provide clear numbers and straightforward guidance from start to finish.

Local Reverse Mortgage Help in Toms River

All Reverse Mortgage of Toms River works with homeowners who want to:

  • Pay off an existing mortgage and eliminate required monthly payments

  • Access home equity while remaining in their home

  • Refinance an existing reverse mortgage

  • Evaluate whether a reverse mortgage fits long-term retirement plans

Each option is reviewed carefully based on age, home value, and future housing goals.

About All Reverse Mortgage of Toms River

All Reverse Mortgage, Inc. has focused exclusively on reverse mortgages for more than 20 years.

Our leadership team was involved in the introduction of the first fixed-rate jumbo reverse mortgage in 2008, giving us deep experience across:

  • HUD-insured HECM loans

  • Proprietary jumbo reverse mortgage programs

  • Retirement-focused lending strategies for equity-rich homeowners

While jumbo programs typically offer lower loan-to-value ratios than a HECM, they can be the right solution for certain homeowners with higher-valued properties.

Clear Guidance Without Pressure

A reverse mortgage is not right for everyone.

Our licensed originators take the time to explain:

  • How much equity may realistically be available

  • Differences between HECM and jumbo reverse mortgage programs

  • Ongoing homeowner responsibilities such as taxes, insurance, and maintenance

  • Long-term implications for heirs

You receive real numbers and clear explanations before making any decision.

Toms River Reverse Mortgage Lending Limits (2026)

Based on this 2026 update, Toms River has an estimated 31,500 homeowners aged 62 and older, with 86 FHA-insured reverse mortgages closed during the most recent 12-month reporting period.

The average home value used for this update is $466,992, which means:

  • Most homes fall within the 2026 federal HECM lending limit of $1,249,125

  • HUD-insured reverse mortgages remain accessible for many qualified homeowners

  • Jumbo reverse mortgage programs may be evaluated for higher-valued properties

About Toms River

Toms River is one of the largest and most established communities in Ocean County. Originally incorporated in 1798, it has grown into a major residential hub with a large population of long-term homeowners. Reverse mortgages in Toms River are most often evaluated as a way to eliminate monthly mortgage payments, improve retirement cash flow, and remain in the home long term rather than as short-term leverage.

Ready to Unlock Your Home’s Equity?

As Toms River’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 Banking & Insurance (License #0509639), we’re committed to helping you secure the retirement you deserve.

Get Your Free Quote from Toms River’s #1 Rated Reverse Mortgage Lender, or call (732) 654-0787 to speak with a friendly expert today.