All Reverse Mortgage, Inc.
All Reverse Mortgage, Inc.
All Reverse Mortgage (ARLO) is a HUD-approved direct lender focused exclusively on reverse mortgages since 2004. We maintain a 4.99/5 customer satisfaction rating, an A+ BBB rating with zero complaints, and three consecutive BBB Torch Award for Ethics nominations. We originate, process, and fund loans in-house with no brokers or middlemen.
Reverse Mortgages in 2026: What You Need to Know
The 2026 HECM lending limit is $1,249,125, up from $1,209,750 in 2025. For borrowers aged 62, the available loan amount is approximately 36% of home value; by age 75, that figure rises to around 50%.
Senior homeowners collectively hold a record $14.7 trillion in home equity according to the NRMLA/RiskSpan Reverse Mortgage Market Index, while NerdWallet reports that median retirement savings for households aged 65 to 74 is just $200,000. For many homeowners, the equity in their home is their single largest financial resource heading into retirement. A reverse mortgage allows you to access a portion of that equity without selling your home or taking on a monthly mortgage payment.
Did You Know? A reverse mortgage is a loan for homeowners aged 62 and older. You stay on title, you keep ownership, and no monthly mortgage payment is required as long as you live in the home and keep up with property taxes, insurance, and basic maintenance. The loan is repaid when you sell, move out, or pass away, and neither you nor your heirs can ever owe more than the home’s value at the time of sale.
See What You Qualify For
Our reverse mortgage calculator gives you a personalized estimate with real-time rates, no personal information required. Enter your age, home value, and ZIP code to see your estimated loan amount, available payout options, and actual closing costs in about 60 seconds.
Whether you’re comparing a reverse mortgage to a HELOC, evaluating line of credit growth projections, or just want to understand how much equity you can access, the calculator is the fastest way to get real numbers for your situation.
Get your free quote now. See your eligibility, real-time rates, and estimated proceeds based on your age and home value. Try the calculator or call us Toll-Free at (800) 565-1722.
Reverse Mortgage Programs
HECM (FHA-Insured Reverse Mortgage)
The Home Equity Conversion Mortgage is the most common reverse mortgage in the United States, insured by the Federal Housing Administration and regulated by HUD. It offers multiple payout options, including a growing line of credit, monthly term and tenure payments, a lump sum, or any combination. The 2026 lending limit is $1,249,125, and borrowers must be at least 62 years old. See 2026 HECM requirements, rates, and loan amounts
Jumbo Reverse Mortgage
For homeowners with properties valued above the FHA lending limit, jumbo reverse mortgages offer loan amounts up to $4,000,000. These proprietary programs accept borrowers as young as 55 in certain states, accommodate non-FHA-approved condominiums, and do not charge FHA mortgage insurance premiums. New for 2026, select jumbo programs now offer an open line of credit option in addition to the traditional lump sum. Compare jumbo rates, LTV chart, and closing costs vs. HECM
Reverse Mortgage for Purchase
The HECM for Purchase program lets you buy your next home and set up a reverse mortgage in a single transaction. You bring a down payment (typically 40 to 60%, depending on age and rates), the reverse mortgage covers the rest, and you move in with no monthly mortgage payment. See 2026 down payment estimates by age
About All Reverse Mortgage
We founded All Reverse Mortgage in 2004 with a simple idea: focus entirely on one type of loan and do it better than anyone else. Twenty years later, that approach has earned us the highest customer rating in the industry and a complaint-free record with the BBB. We don’t originate traditional mortgages, refinances, or HELOCs on the side. Reverse mortgages are all we do, and every dollar we invest goes toward better rates, better guidance, and a better experience for our clients.
As a HUD-approved direct lender and member of the NRMLA, we work directly with our clients from the first conversation through closing. No hand-offs, no brokered loans. Our team was involved in originating the first fixed-rate jumbo reverse mortgage in 2008, giving us deep experience across both HECM and proprietary programs.
From Michael Branson, CEO: “If you’re researching reverse mortgages for the first time or comparing lenders, you’re in the right place. We’ve helped thousands of homeowners evaluate whether this program makes sense for their situation, and we’ll give you an honest answer whether it does or not. Reverse mortgages are not right for everyone, and we’ll tell you that upfront.”
How Repayment Works
A reverse mortgage does not require monthly mortgage payments while you live in the home. The loan becomes due when the last surviving borrower or eligible non-borrowing spouse permanently moves out, sells the property, or passes away. At that point, the home can be sold to repay the loan, heirs can refinance or pay the balance with other funds, or if the loan balance exceeds the home’s value, heirs can walk away owing nothing.
Every FHA-insured reverse mortgage is a non-recourse loan. That means you and your heirs can never owe more than the home’s value at the time of sale, even if the loan balance has grown beyond the property’s worth. If the home is worth more than what’s owed, the remaining equity belongs to you or your estate. For a detailed explanation of what happens at loan maturity, see our guide on reverse mortgage after death.
Is a Reverse Mortgage Right for You?
Reverse mortgages are not right for everyone. If you’re looking for a short-term loan or plan to move within the next few years, the upfront costs (including FHA mortgage insurance premiums) may outweigh the benefits. A HELOC or home equity loan may be more suitable for short-term needs.
However, for homeowners who plan to stay in their home long-term and want to eliminate a monthly mortgage payment, create a financial safety net with a growing line of credit, or access equity for retirement planning without selling, a reverse mortgage can be a powerful tool when used with proper planning.
We strongly encourage you and your family to become well-informed before making a decision. Our pros and cons guide provides an honest look at both sides, and HUD requires all borrowers to complete independent counseling with a HUD-approved agency before closing.
Getting Started
Step 1: Get your numbers. Use our reverse mortgage calculator to see your estimated loan amount, real-time rates, and closing costs. No personal information is required.
Step 2: Complete counseling. All borrowers must attend a HUD-approved counseling session before applying. Counseling can be done by phone or in person, and we provide a list of approved agencies to choose from.
Step 3: Talk to us. Once you have your numbers and complete counseling, our team walks you through the application, appraisal, and closing process. Most loans close in 30 to 45 days.
Ready to learn more? See your eligibility, real-time rates, and estimated proceeds with our reverse mortgage calculator, or call us Toll-Free at (800) 565-1722. We’re here to help you make an informed decision.
