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The minimum qualifying age for a reverse mortgage is 62. If you are within 6 months from your next birthday, I will automatically calculate you a year older.
Tip! Don’t forget to include your spouse’s age, even if they are not yet 62, as loan proceeds are always based on the age of the youngest spouse.
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From America's #1 Rated Reverse Mortgage Lender

West Hills Reverse Mortgage Lenders

We are proud to be California's #1 rated reverse mortgage lender by the BBB with a Perfect 5.0 stars and A+ review. All Reverse Mortgage® lends in 16 states nationwide, including West Hills, CA.

All Reverse began in 2004 and as the name implies, the only loan product that All Reverse Mortgage® originates is the residential reverse mortgage loan.

We offer reverse mortgages to West Hills homeowners and our staff has a combined lending experience exceeding 100 years with national mortgage banking experience on both coasts and points between. Due to this varied direct experience, All Reverse Mortgage® is well positioned to be able to assist borrowers with all specific needs associated with the reverse mortgage program.

West Hills Reverse Mortgage Facts

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Purchase Reverse Mortgages Closed Last 12 Months Lenders in West Hills (est) Avg. Home Value
West Hills 41,000 $732,929

HUD Approved Direct Lenders

United Southwest and All Reverse are approved lenders with HUD (Department of Housing and Urban Development) 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 originates in West Hills and closes both refinance loans where borrowers already own their home and are looking 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 the mortgage of last resort. Everything from the elimination of the existing mortgage payments to the line of credit 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.

West Hills Details

West Hills is a neighborhood of the larger city of Los Angeles located in the western San Fernando Valley. One of its biggest distinguishing factors is that its population in comparison with the rest of Los Angeles County tends to be older, according to data from the Los Angeles Times.

Formerly the home to many Naive American tribes in the pre-colonial period, West Hills was a part of the former Mission San Fernando Rey de España in the early colonial period when it was under the leadership of Spain and Mexico. After the California territory became a part of the United States in the mid-19th century, West Hills was a part of the former town of Owensmouth, which was absorbed into Los Angeles by 1917.

Owensmouth was renamed Canoga Park in 1930, and what is now known as West Hills gained its moniker in 1987.

West Hills features at least two officially recognized historical landmarks in the forms of the Orcutt Ranch Estate — the vacation and retirement home of William Warren Orcutt, an early California oil pioneer — and Shadow Ranch Park — located on the property of the original Workman Ranch, which also served as a filming location for the 1961 Audrey Hepburn film The Children’s Hour, based on the eponymous play by Lillian Hellman.

The neighborhood also features the estate of stage and early Hollywood film star Francis Lederer (1899-2000), featuring his Mediterannean Revival-inspired residence and the stables which housed his horses. There are also three open space parks dispersed throughout the neighborhood, including El Escorpion Park, Bell Canyon Park and the Upper Las Virgenes Canyon Open Space Preserve, which features an abundance of trails and a lush greenbelt for the neighborhood, a popular destination for moonlight hikes and other daytime events.

West Hills is governed by the larger municipal government of the City of Los Angeles, and shares its necessary city services with the rest of the city. West Hills resides in California’s 30th Congressional District, represented as of 2020 by Democrat Brad Sherman. Within the California State Assembly, West Hills resides in both the 27th and 45th districts, represented by Democrats Henry Stern and Jesse Gabriel, respectively.

The Los Angeles Unified School District operates 8 public elementary schools in this area, and one public high school.

West Hills Senior Population and Lending Limits

10 percent of Los Angeles’ population is made up of seniors that are at least 65 years old, based on U.S. Census Bureau data. Of the senior population, 59 percent of L.A. seniors are also homeowners as opposed to renters. That means there’s a dedicated community of seniors that call West Hills their long-term home.

Thousands of the senior households in West Hills may be eligible to obtain a reverse mortgage. Several of these older homeowners have already done their research and begun using reverse mortgages to support their retirement needs.

Compared with the average home price in California, West Hills’ median home price is nearly $200,000 greater than the rest of the state at $732,929, according to the Zillow Home Value Index. Prices in the area have increased 5.3 percent over the past year, and Zillow projects that they will continue to fall over the course of the next year by roughly 0.6 percent.

Some homes in West Hills may be worth more than this median value. If your home has been appraised for more than the HUD lending limit of $726,525, you may still be able to tap into your home equity with the help of a reverse mortgage.

If you're a homeowner who fits this description and you're interested in using a reverse mortgage to supplement your retirement, you might want to consider a jumbo reverse mortgage, from which you may be able to access a greater portion of your home equity than you otherwise would with a FHA-insured HECM loan.

Reverse mortgages might not be the perfect solution for every homeowner, but depending on your particular situation, a HECM could be something to consider as you approach your retirement years.


If you reside in West Hills All Reverse Mortgage® is here to answer your questions.

Additional California Lender Resource Links:
Reversemortgage.org NRMLA Members in CA: https://www.reversemortgage.org/Find-a-Lender/state/CA
HUD.GOV Approved Lenders in California for HECM Loan

Our Exclusive Programs Designed to Fit Your Needs.

All Reverse Mortgage© has consistently broughtexclusive offers to our valued West Hills homeowners. Because of our unique process we're able to offer a better federally-insured reverse mortgage with no compromise.

Take a look at some of our program benefits that you won't find elsewhere:

Exclusive 4.25% (5.95% APR) Fixed Rate for Life
Government Insured & Jumbo Proprietary Programs
Flexible Credit Lines from 2.98% with the Industries Lowest Lifetime Rate Exposure
ZERO Origination Fee Plans
ZERO Financed Closing Cost Plans
ZERO Monthly Servicing Fees on ALL programs
*Complete form above to receive a comparison of all available programs. Excludes state taxes when applicable. Min loan amount for $0 origination fee is $40,000. *APR ran at $185,000 loan amount / 60% or less PLF utilization. Lifetime rate cap on all adjustable rate plans just 5% over the start rate.

How can we offer you more favorable terms?

We are a direct lender approved by FHA (Federal Housing Administration)
The HECM is literallyall we do. All Reverse Mortgage is not just a name for us. We have a very low (almost non-existent) staff turnover and our people are experts.
We don't work with Brokers, allowing us to pass the savings on to you.
We don't hire "celebrity" spokespersons as we don't believe you should have to pay for a lender's expensive marketing budget with higher loan costs.
We Charge Less! Check out our competition and our customer ratings. We never forget that this loan is about you and your needs and we put you first with superior service and lower costs.

All Reverse vs. the others

It may surprise you but those "celebrities" you see all over TV have some of the worst independent consumer ratings in the industry. Compare us and you will see the crystal clear difference, from customer service to loan terms we never compromise.

HUD approved direct lender.

Working with a local West Hills, CA lender saves you time and money.

As an award-winning direct lender our goal remains simple; to offer you the very best terms accompanied by extraordinary customer service.

What Our Customers Are Saying

"There was no car salesman type of protracted negotiation. All reverse got right down to a good quote without a series of incremental steps."
"I was surprised how easy it was to deal with an out of state company. Actually it was much easier than my previous dealings with local banks and brokers"
"It is a wonderful feeling to have no mortgage and extra cash in our pocket. We are very happy."
"Thank you to All Reverse for handling everything in an efficient and smooth way. Thoroughly appreciate everything you have done to make things easy for me."
"This was the smoothest mortgage process I have ever experienced! And so fast!"

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