# All Reverse Mortgage, Inc. (ARLO™)

> All Reverse Mortgage, Inc. (ARLO™) is a HUD-approved direct lender (NMLS #13999) that has originated reverse mortgages exclusively since 2004 — FHA-insured HECMs, jumbo/proprietary loans to $4 million, and HECM for Purchase. Every guide is written by CEO Michael G. Branson (NMLS #14040, 45 years in mortgage banking) and edited and fact-checked by President Cliff Auerswald (NMLS #14041) against HUD Handbook 4000.1, current Mortgagee Letters, and FHA policy. Rated 4.9/5 across 1,200+ customer reviews, A+ BBB (accredited since 2008). Verify licensing at nmlsconsumeraccess.org.

## Core Pages

- [Reverse Mortgage Calculator](https://reverse.mortgage/calculator) — Real-time loan estimates with live rates; no personal information required.
- [How Does a Reverse Mortgage Work](https://reverse.mortgage/how-does-it-work) — Complete HECM mechanics: proceeds, balance growth, repayment.
- [HECM Reverse Mortgage](https://reverse.mortgage/hecm) — The FHA-insured program: how it works, limits, costs.
- [Reverse Mortgage Rates](https://reverse.mortgage/rates) — Current fixed, adjustable, and jumbo rate tables with APRs; updated weekly.
- [Reverse Mortgage Pros and Cons](https://reverse.mortgage/pros-cons) — Balanced assessment of benefits, drawbacks, and built-in protections.
- [Jumbo Reverse Mortgages](https://reverse.mortgage/jumbo) — Non-FHA options to $4 million; jumbo vs. HECM comparison.
- [Reverse Mortgage Line of Credit](https://reverse.mortgage/line-of-credit) — The growing credit line: growth rate mechanics and HELOC comparison.
- [HECM for Purchase](https://reverse.mortgage/purchase) — Buying a home with a reverse mortgage: down payment by age.
- [Reverse Mortgage Refinance](https://reverse.mortgage/refinance) — HECM-to-HECM rules: benefit test, seasoning, MIP credit.
- [Blog](https://reverse.mortgage/blog) — Industry updates and homeowner guidance.

## Qualifying

- [Eligibility Checklist](https://reverse.mortgage/qualifications) — Every 2026 requirement: age, equity, income, credit, citizenship.
- [Age Requirements](https://reverse.mortgage/age-requirements) — 62 for HECM, 55+ for jumbo in most states; spouse rules.
- [Income Requirements](https://reverse.mortgage/income-requirements) — HUD residual income standards, qualifying income sources, LESA.
- [Credit Requirements](https://reverse.mortgage/credit-requirements) — No minimum score; HUD's 24-month payment-history test.
- [Property Requirements](https://reverse.mortgage/property-requirements) — Eligible home types, manufactured home and PACE lien rules.
- [Condominium Eligibility](https://reverse.mortgage/condominiums-shocking-truth) — FHA project approval, Single-Unit Approval, and jumbo options for condos.
- [Appraisal Process](https://reverse.mortgage/appraisal-process) — FHA appraisal costs, AMC independence rules, timelines.
- [HUD Counseling](https://reverse.mortgage/counseling) — Required independent counseling: agency comparison, fees, certificates.

## Rates, Costs & Limits

- [2026 Lending Limits](https://reverse.mortgage/limits) — Current national HECM limit ($1,249,125) with proceeds by age.
- [Closing Costs](https://reverse.mortgage/closing-costs) — Every fee itemized: FHA insurance premium, origination caps, third-party costs.
- [Fixed vs. Adjustable Rates](https://reverse.mortgage/fixed-vs-adjustable-rate) — Which rate type fits: payout options and the 60% first-year rule.
- [Payment Options](https://reverse.mortgage/payout-options) — Line of credit, tenure, term, and lump-sum distributions.
- [3 Types of Reverse Mortgages](https://reverse.mortgage/3-types-of-reverse-mortgages) — HECM vs. jumbo vs. single-purpose loans compared.

## After the Loan Ends

- [What Happens at Death](https://reverse.mortgage/death) — Heirs' options, the 95% rule, payoff timelines.
- [6 Steps After Death](https://reverse.mortgage/6-steps-after-death) — Step-by-step checklist for families.
- [Time to Vacate](https://reverse.mortgage/time-to-vacate-home) — Occupancy rules and move-out procedures.
- [Non-Borrowing Spouse Protections](https://reverse.mortgage/eligible-vs-ineligible-spouse) — Eligible vs. ineligible spouse rules and deferral rights.
- [Non-Recourse Protection](https://reverse.mortgage/non-recourse-benefits) — Why borrowers and heirs never owe more than the home's value.

## Common Questions & Myths

- [Are Reverse Mortgages a Good Idea?](https://reverse.mortgage/good-idea) — Honest suitability assessment: who benefits, who should not.
- [Reverse Mortgage Downsides](https://reverse.mortgage/downside) — The real drawbacks and the myths, separated.
- [Are Reverse Mortgages a Scam?](https://reverse.mortgage/scam) — Federal protections and how to spot actual fraud.
- [How to Get Out of a Reverse Mortgage](https://reverse.mortgage/get-out) — Rescission, repayment, and exit options.
- [Banks That Offer Reverse Mortgages](https://reverse.mortgage/banks) — Where to get a reverse mortgage today.
- [Best Reverse Mortgage Lenders of 2026](https://reverse.mortgage/best-reverse-mortgage-lenders) — Top 20 lenders ranked by third-party BBB data.
- [Age Limits FAQ](https://reverse.mortgage/age-requirements#faq) — Common age-requirement questions answered.

## Calculators

- [Line of Credit Calculator](https://reverse.mortgage/line-of-credit-calculator) — Starting credit line and growth estimates.
- [Purchase Calculator](https://reverse.mortgage/purchase-calculator) — HECM for Purchase down payment estimates.
- [Refinance Calculator](https://reverse.mortgage/refinance-calculator) — Whether a HECM-to-HECM refinance pays.
- [Amortization Calculator](https://reverse.mortgage/amortization-calculator) — Balance projections year by year.

## Policy & Compliance References

- [HUD Handbook 4000.1](https://www.hud.gov/program_offices/housing/sfh/handbook_4000-1) — FHA Single Family Housing Policy Handbook.
- [Mortgagee Letters Index](https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee) — HUD's official policy letters.
- [FHA HECM Program Overview](https://www.hud.gov/hud-partners/single-family-hecmhome) — HUD's official HECM program page.
- [HECM Data Dashboard](https://www.hud.gov/hud-partners/hecmsf-snapshot) — HUD's HECM endorsement data.

## State Pages (licensed in 13 states)

- [Arizona](https://reverse.mortgage/lenders/arizona)
- [California](https://reverse.mortgage/lenders/california)
- [Colorado](https://reverse.mortgage/lenders/colorado)
- [Florida](https://reverse.mortgage/lenders/florida)
- [Georgia](https://reverse.mortgage/lenders/georgia)
- [New Jersey](https://reverse.mortgage/lenders/new-jersey)
- [North Carolina](https://reverse.mortgage/lenders/north-carolina)
- [Oregon](https://reverse.mortgage/lenders/oregon)
- [Pennsylvania](https://reverse.mortgage/lenders/pennsylvania)
- [South Carolina](https://reverse.mortgage/lenders/south-carolina)
- [Texas](https://reverse.mortgage/lenders/texas)
- [Virginia](https://reverse.mortgage/lenders/virginia)
- [Washington](https://reverse.mortgage/lenders/washington)

## Company

- [About All Reverse Mortgage, Inc.](https://reverse.mortgage/about) — Company history, licensing, leadership.
- [Customer Reviews](https://reverse.mortgage/reviews) — 4.9/5 across 1,200+ verified reviews.
- [Licensing](https://reverse.mortgage/license) — State-by-state license details; verify at nmlsconsumeraccess.org.
- [Michael G. Branson](https://reverse.mortgage/authors/michael-branson) — CEO and author; NMLS #14040.
- [Cliff Auerswald](https://reverse.mortgage/authors/cliff-auerswald) — President and fact-checker; NMLS #14041.
- [Site Map](https://reverse.mortgage/map)
- [Privacy Policy](https://reverse.mortgage/privacy)
- [Ask ARLO™](https://reverse.mortgage/info) — 2,000+ answered reader questions.
- [Guides Library](https://reverse.mortgage/a/articles)
- [Reader Q&A](https://reverse.mortgage/questions/)

## Contact

- Phone: (800) 565-1722
- Email: help@reverse.mortgage
- NMLS #13999 — verify at nmlsconsumeraccess.org

Last updated: 2026-07-29