All Reverse Mortgage, Inc. is a HUD/FHA-approved direct lender headquartered in Orange County, California and licensed in 13 states, originating reverse mortgages exclusively since 2004. Over more than two decades of singular focus on the reverse mortgage program — paired with a long-standing record of ethical lending — we’ve earned an A+ rating with the Better Business Bureau with zero complaints and helped thousands of older homeowners safely tap the equity they’ve built.

At a Glance: HUD/FHA-approved direct lender · Licensed in 13 states · BBB A+ rated, accredited since 2008 · NRMLA member in good standing · BBB Torch Award for Ethics finalist · Veteran-Led and Women-Led business · Headquartered in Orange County, California · Reverse mortgages only — no other loan products

Our Mission

We’re here to help older homeowners access their equity safely and confidently. You deserve straight answers, clear numbers, and a loan that supports your retirement goals — without pressure or surprises.

Why Homeowners Choose Us

When you work with All Reverse Mortgage, you’re dealing directly with an HUD/FHA-approved lender that specializes only in reverse mortgages. We don’t use brokers, we don’t build marketing markups into your costs, and we provide every number in writing before you move forward.

What that means for you:

• Direct lender approved by HUD/FHA — no broker layer between you and the loan
• No broker fees or hidden marketing costs built into your closing
• Transparent, itemized estimates before you decide anything
• A team with over two decades of hands-on reverse mortgage expertise

Veteran- and Women-Led Leadership

All Reverse Mortgage is recognized as both a Veteran-Led and Women-Led business. Our Chief Financial Officer, Caren Dahmus, served in the U.S. Army and has dedicated her career to helping older Americans improve their financial stability and quality of life by responsibly using home equity.

Recognized for Ethics and Service

We’re proud of our long-standing A+ BBB rating and of being named a finalist for the BBB Torch Award for Ethics — an honor reserved for companies that demonstrate integrity, transparency, and a clear commitment to doing right by the families they serve.

• A+ BBB rating with zero complaints
• BBB Accredited since 2008
• BBB Torch Award for Ethics finalist
• Originating reverse mortgages exclusively since 2004

Our Membership in NRMLA

We’re active members of the National Reverse Mortgage Lenders Association (NRMLA). Membership requires strict adherence to NRMLA’s Code of Ethics and Professional Responsibility — standards that guide how we work with you and your family from the first conversation through closing and beyond.

Our Pledge to You

A reverse mortgage is both a financial and an emotional decision. We take that seriously. Our pledge is simple:

• Explain how the loan works in plain English
• Provide written comparisons so you can evaluate your options side by side
• Encourage conversations with family and trusted advisors before you commit
• Respect your decision, whether you move forward or decide it’s not the right fit

Our Core Values

Every loan we handle is guided by the values set out in NRMLA’s Code of Ethics:

Fairness – Treating you with the honesty and respect we’d want for our own families.

Confidentiality – Safeguarding your personal and financial information.

Integrity – Presenting all terms and costs clearly.

Competence – Maintaining the training and experience needed to guide you well.

Diligence – Ensuring every file meets HUD, FHA, and state requirements.

Professionalism – Acting in a way that reflects positively on you and our industry.

Our Commitment to Older Homeowners

Most of the families we work with want to stay in their homes and keep their independence while living on a fixed income. We help you understand the loan from every angle — the benefits and the risks — so you can make a well-informed decision. You’ll never be rushed, pushed, or asked to accept costs that aren’t fully explained.

Ask ARLO™ — One of the First Online Reverse Mortgage Q&A Libraries

Long before most lenders were online, we built something different. We opened our doors to every homeowner’s question and answered them publicly so others could benefit, too.

That became Ask ARLO™, one of the first open reverse mortgage question-and-answer series available anywhere. Over the years, more than two thousand homeowners have sent us their questions, and we’ve answered each one directly — with accurate guidance based on HUD policy and our own experience inside the program.

Today, Ask ARLO remains one of the most trusted resources for older homeowners trying to sort through confusing or conflicting information. Whether the question is about eligibility, occupancy, spouses, taxes, heirs, or what happens when the loan eventually becomes due, we’ve probably answered it.

Meet ARLO™ — The First Reverse Mortgage Calculator With True Upfront Pricing

When we launched ARLO™ (the All Reverse Loan Optimizer) in 2017, our goal was simple: give homeowners the kind of clear, upfront loan pricing the reverse mortgage industry had never offered, so you could shop with confidence.

ARLO™ remains the only consumer-direct calculator that delivers:

• Instant eligibility results based on your age, home value, and zip code
• Live interest rates and APR, pulled directly from our pricing engine
• Side-by-side comparisons of all available HECM and jumbo options
• Accurate estimates you can preview upfront, before providing any personal details
• Personalized product guidance once you request your full quote, helping you see which loan type fits your goals

Frequently Asked Questions About All Reverse Mortgage

State Licensing & Disclosures

All Reverse Mortgage, Inc. is licensed to originate reverse mortgages in the 13 states listed below. License numbers, regulating agencies, and any state-required disclosures are provided here for your reference and verification.

• Arizona — Licensed by the Arizona Department of Financial Institutions. License/Registration #BK0934287
• California — Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. License/Registration #4131229
• Colorado — Licensed by the Colorado Department of Regulatory Agencies (DORA). License/Registration #100032569
• Florida — Licensed by the Florida Office of Financial Regulation. License/Registration #MLD837
• Georgia — Licensed by the Department of Banking and Finance. License/Registration #31567
• New Jersey — Licensed by the Department of Banking & Insurance. License/Registration #N000018109
• North Carolina — Licensed by the Commissioner of Banks. License/Registration #L-156775
• Oregon — Licensed by the Division of Finance and Corporate Securities (DFCF). License/Registration #ML-5006 (See Oregon-specific disclosures below.)
• Pennsylvania — Licensed by the Department of Banking and Securities. License/Registration #38143
• South Carolina — Licensed by the Consumer Finance Division. MLS-13999 OTN #1
• Texas — Licensed by the Department of Savings and Mortgage Lending. License/Registration #84280. Other trade names used in Texas: All Reverse Mortgage Company; ALLRMC Company. (See Texas-specific disclosures below.)
• Virginia — Licensed Lender, Bureau of Financial Institutions. License/Registration #MC-5551
• Washington — Licensed Consumer Loan Company with the Department of Financial Institutions. License/Registration #CL-13999

Stay Connected With Us

Many of the folks we help like to follow along as we share new program updates, borrower stories, and practical guidance for navigating retirement with confidence. If you’d like to stay in the loop, we welcome you to join us on our social channels.

Follow us here:

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Start with ARLO™ or call Toll-Free at (800) 565-1722. We’re here to walk you through the numbers at your own pace so you can decide whether a reverse mortgage fits your retirement plans.