Virginia Beach Reverse Mortgage Lenders

At All Reverse Mortgage, Inc. (ARLO™), we are honored to serve the wonderful community of Virginia. With a perfect 5.0-star rating and an A+ rating from the Better Business Bureau, we’ve become the top-rated reverse mortgage lender in Virginia, a testament to our unwavering commitment to helping homeowners like you.

For over 20 years, we’ve focused exclusively on reverse mortgages, working tirelessly to understand and meet the unique needs of homeowners across Virginia. Since our start in November 2004, our mission has been simple: to provide you with the best rates and most competitive pricing, allowing you to make the most of your hard-earned home equity.

As a HUD-approved direct lender, we offer a variety of reverse mortgage options, including the widely respected Home Equity Conversion Mortgage (HECM) programs and specialized non-FHA and jumbo reverse mortgages. We understand that Virginia homeowners deserve choices, especially when it comes to high-value properties that exceed the national lending limit of $1,249,125 for 2024.

We encourage you to see the difference for yourself. Compare our customer reviews, lower rates, and competitive closing costs with other major lenders. We’re confident that you’ll find our approach uniquely tailored to your needs, with a focus on maximizing your home’s equity in a way that benefits you the most.

All Reverse Mortgage is fully licensed by the Bureau of Financial Institutions (License/Registration MC-5551), ensuring you receive the trusted service you deserve. We’re here to help you navigate your options and secure a brighter financial future in the comfort of your Virginia home.

Virginia Beach Reverse Mortgage Facts (2026 Update)

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Lenders in Virginia Beach (est) Avg. Home Value
Virginia Beach 62,000 146 16 $409,556

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 HUD-approved direct lender, we manage the process from application through closing, providing clear figures, transparent terms, and no hidden costs.

Local Reverse Mortgage Help in Virginia Beach

All Reverse Mortgage of Virginia Beach works with homeowners who want to:

  • Pay off an existing mortgage and eliminate required monthly payments

  • Access home equity while continuing to live in their home

  • Refinance an existing reverse mortgage

  • Use a reverse mortgage as part of a long-term retirement plan

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

About All Reverse Mortgage of Virginia Beach

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

Our leadership team helped introduce the first fixed-rate jumbo reverse mortgage in 2008, giving us extensive experience with:

  • HUD-insured HECM loans

  • Proprietary jumbo reverse mortgage programs

  • Coastal housing markets and military-adjacent communities

That background is particularly relevant in Virginia Beach, where many homeowners have accumulated significant equity over decades of ownership.

Straight Answers Without Pressure

A reverse mortgage should be clearly understood before any decision is made.

Our licensed originators walk through:

  • How much equity may realistically be available

  • Whether a HUD HECM or jumbo reverse mortgage makes more sense

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

  • Long-term considerations for heirs and estate planning

You see real numbers first. Decisions come second.

Virginia Beach Reverse Mortgage Lending Limits (2026)

Based on this 2026 update, Virginia Beach has an estimated 62,000 homeowners aged 62 and older, with 146 FHA-insured reverse mortgages closed during the most recent 12-month reporting period.

With an average home value of $409,556, Virginia Beach homeowners should know:

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

  • HUD-insured reverse mortgages are widely accessible throughout the city

  • Jumbo reverse mortgage programs are available for higher-valued properties

About Virginia Beach

Virginia Beach is the most populous independent city in Virginia and one of the largest coastal cities in the United States. With a population exceeding 438,000 residents, the city combines military presence, tourism, healthcare, and long-established neighborhoods. Many long-term homeowners explore reverse mortgages as a way to reduce monthly obligations while remaining in their homes near family and community.

Ready to Unlock Your Home’s Equity?

As Virginia Beach’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 Virginia State Corporation Commission (License #MC-5906), we’re committed to helping you secure the retirement you deserve.

Get Your Free Quote from Virginia Beach‘s #1 Rated Reverse Mortgage Lender, or call (757) 350-3722 to speak with a friendly expert today.