The standard FHA-insured reverse mortgage. If you're 62+, this is where most homeowners start.
Buy a new home with a reverse mortgage — relocate, downsize, or right-size without a monthly payment.
Loan amounts up to $4M for high-value homes beyond FHA lending limits.
Already have a reverse mortgage? See if today's rates or higher lending limits can work in your favor.
The complete process — from application to funding — explained in plain English. No jargon.
An honest look at both sides — real benefits, real tradeoffs, real numbers.
Current HECM interest rates, margins, and MIP — updated daily.
The 2026 FHA lending ceiling and exactly how it affects your maximum loan amount.
Age, equity, property type, credit, and residency — everything you need to qualify, in one place.
Required before closing — here's what it covers, how long it takes, and how to find an approved agency near you.
Powered by ARLO™ — live rate comparisons, real-time rates, and ZIP-accurate closing costs. Compare HECM & jumbo side by side. No SSN, no credit pull, no personal info required.
See your HECM credit line and how it grows over time.
Checks if refinancing your HECM pays off using the 5× benefit rule.
Estimate your HECM for Purchase numbers — down payment, sale proceeds, and what you can expect at closing.
See how your loan balance and home equity change over time. Includes a downloadable Excel report.
Search over 2,000 answered customer questions. Find your answer instantly — no form, no wait.
Market updates, rate commentary, and expert perspective from CEO Michael G. Branson.
In-depth articles covering eligibility, taxes, heirs, alternatives, and everything in between.
Browse real questions from homeowners like you, answered by our reverse mortgage specialists.
Run our ARLO™ calculator for a personalized estimate, or talk to a licensed reverse mortgage specialist. No SSN. No credit pull. No obligation.
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America's #1-rated reverse mortgage lender. We've helped thousands of homeowners 62+ unlock their equity — without sacrificing the home they love.
Important disclosure: All Reverse Mortgage, Inc. (ARLO™) is a HUD-approved direct lender, NMLS #13999. This material is not from HUD or FHA and was not approved by HUD, FHA, or any government agency. All Reverse Mortgage, Inc. is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Borrower obligations: Borrowers must continue to pay property taxes, homeowners insurance, HOA dues (if applicable), and maintain the property as their primary residence. Failure to meet these obligations may result in default and possible foreclosure. Reverse mortgages are loans — interest accrues and the balance grows over time. Consult your tax advisor regarding the deductibility of interest.