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ARLO™

REVERSE MORTGAGE
CALCULATOR
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Let’s find out how a reverse mortgage can work for you. Over 500,000 homeowners nationwide - and 100 in your area are already enjoying more financial security in retirement!

Your home’s value is key to unlocking your reverse mortgage funds. I’ll use it - along with your age and current rates - to estimate what you could receive. Don’t worry, this is just a starting point!
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Great! It looks like your home value estimate is about

I used an online estimate for this value, but you’re in control - tweak it if it’s off! (A HUD-approved appraisal will confirm everything later.) Adding your mortgage balance helps me show you how much extra cash you could free up by eliminating that payment.

Please provide your estimated home value

If you presently have an existing mortgage balance, I'll need to know the amount we are going to pay off to get rid of that mortgage payment!
(Our calculations use estimated property values provided by Estated.com. An independent HUD-approved appraiser must complete an appraisal to finalize your loan)
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The minimum qualifying age for a reverse mortgage is 55

You qualify at 55 or older, and your age determines your loan amount. Include your spouse’s age (even if under 55) since we base proceeds on the youngest partner - it’s all about maximizing your benefits!
Your Age
Spouse Age
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I’m ARLO, here with my best product recommendations and expert tips tailored for you. Just share your email and phone, and I’ll send your personalized analysis securely - 100% free, with no obligation!

  • ARLO’s Top Reverse Mortgage Picks
  • Tailored Loan Comparisons
  • Live Interest Rates
  • Expert Tips to Choose the Best Fit
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secure and Private By using ARLO® Calculator and clicking on the "View ARLO Analysis Now" button above, you consent, acknowledge, and agree to the following: Our Terms of Use Agreement, Privacy Policy and to receive important notices and other communications. I consent to being contacted by All Reverse Mortgage® and its partners for marketing purposes at any phone number or email I provide, including through the use of automated technology and prerecorded messages. I represent that I am the regular user of the phone number I provided and provide consent on behalf of all users of that phone number. I also understand consent is not required for purchase and I may opt-out from receiving communications at any time.
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2021 BBB Torch Award Finalist
Best Reverse Mortgage Lender
Best Reverse Mortgage Website
Best Reverse Mortgage Website

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Celebrating 20 Years of Excellence!

All Reverse Mortgage, Inc. is a trusted, HUD-approved HECM lender with a 20-year track record of excellence. Our A+ BBB Rating and countless 5-star reviews show our commitment to helping homeowners like you enjoy peace of mind and financial freedom.

BBB Torch Finalist
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Rated #1 Reverse Mortgage Company of 2024


-Top Consumer Reviews

Rated #1 Reverse Mortgage Company of 2022


-Caring.com

Rated #1 Reverse Mortgage Website



-Mortgage Professor

Back to Back Torch Ethics Finalists 2021 & 2022

-Better Business Bureau

ARLO™ Intelligence

ARLO™ isn’t just a calculator—it’s your personal reverse mortgage guide, powered by advanced intelligence to make your journey simple and stress-free.

  • Step-by-Step Tutorials: Easy-to-follow guidance ensures you feel confident at every stage of the process.
  • Real-Time Interest Rates: Always up-to-date, so you know exactly where you stand with current market conditions.
  • Side-by-Side Loan Comparisons: Compare options at a glance to choose the plan that best fits your financial goals.
  • Custom Amortization Schedules: See how your loan balance changes over time, empowering you with transparency and clarity.

Why 2025 Is the Perfect Time to Act

Exciting News! HUD has announced a record-high reverse mortgage lending limit of $1,209,750 for 2025! Starting January 1, eligible homeowners can access significantly more equity—thanks to an impressive $60,000 increase over last year’s limit.

With higher lending limits and interest rates trending down, there’s never been a better opportunity to unlock the full potential of your home equity. This unique combination offers a window to maximize your financial benefits and secure a brighter future.



What Does This Mean for You?

If you own a higher-value home, the new lending limit presents exciting opportunities to:

Access More Equity Than Ever Before: 

With the new $1,209,750 lending limit, homeowners can tap into significantly higher amounts of their home equity, offering greater financial flexibility and opportunities.

Achieve Financial Goals Without Selling Your Home: 

Whether enhancing retirement income, funding home improvements, or covering healthcare costs, this increased limit provides a larger safety net while you retain ownership of your home.

Take Advantage of Rising Home Values:

The record-high lending limit reflects strong market conditions, enabling homeowners to leverage their investment and access greater borrowing potential.

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© 2025 All Reverse Mortgage, Inc. All Rights Reserved. NMLS #13999 HUD Lender #26031-0007 Privacy Policy

This material has not been reviewed, approved, or issued by HUD, FHA, or any government agency. All Reverse Mortgage, Inc. is an independent company and is not affiliated with, acting on behalf of, or directed by HUD/FHA or any government agency. This content does not constitute tax advice. Reverse mortgage programs may not be available in all states. For specific state availability, visit https://reverse.mortgage/map.