All Reverse Mortgage, Inc. (ARLO™) is proud to be California's #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 2023 lending limit of $1,089,300.

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!

Westminster 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 Westminster 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.

Located in northern Orange County, California, the city of Westminster is a moderately-sized city of just over 90,000 as of 2019 U.S. Census Bureau estimates. Established in 1870 by Rev. Lemuel Webber as a Presbyterian temperance colony, Westminster takes its name from the 1643 Westminster Assembly which was a foundational assembly of theologians that established the tenets of the Presbyterian protestant denomination of Christianity.

In the earliest days of Westminster’s existence, farmers in the area refused to grow and harvest grapes due to the fruit’s association with the creation of wine, and the desire for the temperance colony to stay as far away from the imbibing of alcoholic beverages as possible.

Westminster was officially incorporated as a city in the state of California in 1957, and originally had just under 11,000 residents to its name. Before becoming known as Westminster in its capacity as an officially-designated city, the area was actually known as “Tri-City” since it represented the confluence of three different communities: Westminster, Barber City and Midway City.

Midway City refused to be incorporated into the single community, so Westminster and Barber City are the two areas that consolidated under the Westminster name. Midway City today is technically a census-designated place and not a city unto itself.

Approximately 14.3% of the population is made up of residents over the age of 65 according to the 2010 census, an employs a city council style of government. In the California State Assembly, Westminster falls into the 34th Senate District currently represented by Democrat Tom Umberg, and the 72nd Assembly District represented by Republican Tyler Diep.

Westminster has a warm climate, with the average high temperature reaching 84 degrees fahrenheit in the middle of the summer, and the average low reaching 46 degrees in the winter. It gets only 14 inches of precipitation per year on average, and the Westminster School District is the city’s largest employer with over 1,000 workers.

14 percent of Westminster’s population is made up of seniors that are at least 65 years old, based on U.S. Census Bureau data. Of Westminster’s senior population, 61 percent (accounting for over 4,000 households) are also homeowners as opposed to renters. That means there’s a dedicated community of seniors that call Westminster their long-term home.

Thousands of the senior households in Westminster 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, Westminster’s median home price is greater than the rest of the state at $947,923, according to the Zillow Home Value Index as of January 2023. Prices in the area have increased 8.5% over the past year.

Some homes in Westminster may be worth more than this median value. If your home has been appraised for more than the HUD lending limit of $1,089,300, 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 Westminster All Reverse Mortgage, Inc. (ARLO™) 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

Browse Hundreds More...