Tom's River's #1 Reverse Mortgage

All Reverse Mortgage, Inc. (ARLO™) is proud to be New Jersey #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 California.

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 2024 lending limit of $1,149,825.

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!

Tom's River 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 Tom's River 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.

Tom's River is a township located in Ocean County, New Jersey. The township was officially incorporated in February 1798, and since then it’s become the 8th-most-populous municipality in New Jersey with a population just shy of 92,000, according to the U.S. Census Bureau. Approximately 20,741 (or 23 percent of residents) are homeowners 62 years or older

Popular job industries in the township include retail trade, construction, professional or scientific services and health care. Outside of work, many residents spend their time at various museums such as the Waterhouse Museum, which contains art from Colonel Charles Waterhouse, a U.S. Marine veteran of the Battle of Iwo Jima. Another popular destination is the Casino Pier, which contains fun and games for everyone in the family. Tom's River has also made media appearances in the popular television shows, Boardwalk Empire and Jersey Shore

As of January 2023, the median home value in Tom's River is $396,933, which is an increase of 14.7% in the last 12 months. Many homes in Tom's River are valued under the federal maximum reverse mortgage lending limit of $1,149,825 that applies to government-insured HECM loans. However, senior homeowners can still look to jumbo loan programs to tap into their home’s equity for higher valued homes

If you reside in Tom's River or are planning to move there, All Reverse Mortgage is here to answer your questions.