All Reverse Mortgage, Inc.
All Reverse Mortgage, Inc. (ARLO™)
All Reverse Mortgage (ARLO™) is a HUD-approved direct lender focused exclusively on reverse mortgages since 2004. We hold a 4.9/5 customer satisfaction rating, an A+ BBB rating, and consecutive nominations for the BBB Torch Award for Ethics. We originate, process, and fund every loan in-house — no brokers, no hand-offs, no middlemen.
Reverse mortgages are our core business, and every dollar we invest goes toward better rates, better guidance, and a better experience for our clients. As a member of the NRMLA and the team that originated the first fixed-rate jumbo reverse mortgage in 2008, we bring deep experience across both HECM and proprietary programs.
From Michael G. 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.”
What Is a Reverse Mortgage?
A reverse mortgage is a loan for homeowners aged 62 and older that allows you to access a portion of your home equity without selling your home or taking on a monthly mortgage payment. You remain on title and keep full ownership. 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 is worth at the time of sale.
The most common type is the HECM (Home Equity Conversion Mortgage), federally insured by the FHA and regulated by HUD. For homeowners with higher-value properties, jumbo reverse mortgage programs offer loan amounts up to $4,000,000.
Did You Know? The 2026 HECM lending limit is $1,249,125, up from $1,209,750 in 2025. For a borrower aged 62, the available loan amount is approximately 36% of the home value. By age 75, that figure rises to around 50%.
How a Reverse Mortgage Works
A reverse mortgage does not require monthly mortgage payments while you live in the home. Interest accrues on the outstanding balance over time, and the loan becomes due when the last surviving borrower or eligible non-borrowing spouse permanently moves out, sells the property, or passes away.
At maturity, the home is typically sold to repay the loan. If the home sells for more than what is owed, the remaining equity belongs to you or your estate. 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. For a detailed explanation, see our guide on reverse mortgages after death and what heirs need to know.
2026 Reverse Mortgage Programs
HECM (FHA-Insured Reverse Mortgage)
The Home Equity Conversion Mortgage is the most widely used reverse mortgage in the United States. Insured by the Federal Housing Administration and regulated by HUD, it offers multiple payout options: a growing line of credit, monthly term or tenure payments, a lump sum, or any combination. Borrowers must be at least 62 years old, and the 2026 lending limit is $1,249,125. 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 require FHA mortgage insurance premiums. New for 2026, select 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
HECM for Purchase
The HECM for Purchase program allows you to buy your next home and establish a reverse mortgage in a single transaction. You bring a down payment — typically 40 to 60%, depending on age and current rates — the reverse mortgage covers the remainder, and you move in with no monthly mortgage payment. See 2026 down payment estimates by age
The 2026 Market: Why Home Equity Matters More Than Ever
Senior homeowners collectively hold a record $14.39 trillion in home equity, according to the NRMLA/RiskSpan Reverse Mortgage Market Index. At the same time, NerdWallet reports that median retirement savings for households aged 65 to 74 is just $200,000. For many homeowners, the equity built over decades represents their single largest financial resource heading into retirement.
The 2026 HECM lending limit increased by just 3.26% — the slowest annual increase in more than a decade — reflecting a cooling in national home-price appreciation. For homeowners with properties already above the FHA cap, the gap between what a HECM can deliver and what a jumbo program can access is wider now than at any point in recent years. Whether you are evaluating a HECM line of credit as a retirement planning buffer or exploring a jumbo program to access equity above the federal limit, 2026 is a meaningful time to run the numbers.
Is a Reverse Mortgage Right for You?
Reverse mortgages are not the right choice for everyone. If you 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 efficient for short-term needs.
For homeowners who plan to stay in their home long-term, a reverse mortgage can be a meaningful tool for eliminating an existing mortgage payment, building a financial safety net through a growing line of credit, or supplementing retirement income without having to sell. The right answer depends entirely on your timeline, your goals, and your family’s situation.
We strongly encourage you and your family to become well-informed before making a decision. Our pros and cons guide covers both sides in detail. HUD also requires all borrowers to complete independent counseling with a HUD-approved agency before any loan can close.
How to Get Started
Step 1: Get your numbers. Start with ARLO™ to access your estimated loan amount, real-time rates, and closing costs. No personal information is required.
Step 2: Complete counseling. All borrowers must attend a session with a HUD-approved counseling agency before applying. Counseling can be done by phone or in person, and we provide a list of approved agencies.
Step 3: Talk to us. Once you have your numbers and have completed 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 are here to help you make an informed decision you can feel good about.
