All Reverse Mortgage Review: A Brutally Honest Look at the Lender Everyone’s Whispering About

Let’s face it: we’ve all seen those late-night commercials where a silver-haired TV legend beams, “Unlock the money in your home!” and you wonder, is my house really a magic ATM? But have you ever noticed you don’t see All Reverse Mortgage jumping on the same bandwagon? That’s right—no washed-up celebrities here. According to their own website, they like to keep things refreshingly straightforward (and probably can’t stomach paying a retired sitcom star six figures for 30 seconds).

Reverse mortgages can be a lifeline or a landmine, depending on how you use them. Just like any complicated financial product, they’re not all rainbow sprinkles—there are costs, fine print, and a fair share of responsibility on you, the borrower. If the thought of diving into paperwork makes you break out in hives, you’re not alone. The key is to find lenders who don’t just peddle glossy promises but genuinely educate you about what you’re signing up for. All right, enough foreplay—let’s jump into our All Reverse Mortgage review and see if this company is the real deal or just another wolf in a sheepdog’s vest.

BEST REVERSE MORTGAGE LENDER WITH THE LOWEST INTEREST RATES

If you’re a senior and your wallet’s feeling light, a reverse mortgage could be the ticket for a little extra breathing room. Sure, these loans have been branded as sketchy by some (thanks, Internet), but with the right lender, it can absolutely be legit. I’ve seen folks pay off stubborn debts or even take dream vacations with their proceeds. If your top priority is grabbing the lowest rate possible—a noble cause!—then All Reverse Mortgage is worth a long stare. They’ve got a sparkling rep for low interest rates and customer satisfaction hotter than a July sidewalk. But, of course, perfection is a unicorn, and there are a couple of quirks to keep in mind.

ALL REVERSE MORTGAGE PROS AND CONS

• Pros
  • Informative website
  • Instant interest rate calculator
  • High customer satisfaction ratings
• Cons
  • Only offered in select states
  • Closing costs can apply

PROS EXPLAINED

INFORMATIVE AND USER-FRIENDLY WEBSITE
Get ready to have your hand held through the mortgage maze. All Reverse Mortgage’s website is as no-nonsense as they come. While most companies dance around the downsides like they’re playing hopscotch, these guys lay it out—warts and all, right up front. If you’re the type that likes to know where the booby traps are before stepping forward, you’ll appreciate the honesty. They’re all about empowering you, not tricking you.

INSTANT RATE CALCULATOR
Time is money, friend. The last thing anyone wants is to fill out a small novel’s worth of forms just to learn a rate. Here, you can pop in your basic info (ZIP code, address, and—ugh—your email) and the calculator spits back a personalized estimate faster than you can say, “Did that really just work?” Honestly, it takes more effort to microwave popcorn.

EXCEPTIONAL CUSTOMER SATISFACTION
A+ rating with the Better Business Bureau? Check. An almost-too-good-to-be-true 4.98 out of 5 stars AND zero complaints? Double check. Customers don’t hold back: they rave about the painless application, counselors who speak in plain English, and a process that’s more helpful than your favorite aunt. When was the last time anyone said that about a lender?

CONS EXPLAINED

LIMITED STATE AVAILABILITY
There’s always a catch, right? If you live in one of the other 35 states, you’re out of luck—at least for now. It’s genuinely a bummer given how rare truly competitive reverse mortgage rates are. Maybe one day they’ll branch out, but for now, their magic is limited to just 15 states.

CLOSING COSTS
Nobody loves closing costs, but if you’re worried these guys are gouging you, rest assured: their fees are straight from the standard mortgage playbook. Thanks to strict federal regs, there’s a 2% origination fee on the first $200K of your home value (plus 1% for anything over that), never topping $6,000. Add standard appraisal fees, and keep in mind interest racks up with every dollar you borrow. The costs are industry standard—but still not pocket change.

ALL REVERSE MORTGAGE PRODUCTS

All Reverse Mortgage doesn’t believe one size fits all—they’ve got a product for nearly every scenario. Here’s the quick-and-dirty rundown:

HECM REVERSE MORTGAGE

If you’ve hit the magic age of 62, you could qualify for a Home Equity Conversion Mortgage, or HECM. This lets you tap your home’s equity and get the proceeds in a lump sum, a line of credit, or—if you like your money like you like your novels—in monthly installments. Your equity goes down, but your stress about payments goes with it. Payback only begins when you finally sell, move, or, you know, depart for that great retirement community in the sky. And yes, FHA insurance picks up the slack if your home sells short. You’ll need a counseling session first—which, honestly, is a mercy in this complicated world.

JUMBO REVERSE MORTGAGE

Got a house that turns heads—maybe even makes your neighbors a little jealous? The Jumbo Reverse Mortgage is tailor-made for the high-roller with equity to spare. Lending caps go up to $4 million (so you can stop worrying about that old HECM cap at $1,089,300). Minimum age drops to 55, but you lose that government backing (these are privately funded). Here’s the kicker: you have ten years to access funds—choose a lump sum or a line of credit, but skip the monthly payment plan. Silver lining? No pricey mortgage insurance premiums.

PURCHASE REVERSE MORTGAGE

Ready to swap your five-bedroom for that manageable condo near the beach? The purchase reverse mortgage is your ticket. It lets you buy your next forever home using HECM and—drumroll, please—skip the monthly payments. The one catch? The down payment is a bit steeper than with a vanilla mortgage. Still, for many seniors, trading monthly bills for a fresh start is worth more than gold.

ALL REVERSE MORTGAGE RATES & FEES

If mortgage rates are your bedtime reading (hey, no judgment), you’ll like that All Reverse Mortgage puts theirs front and center. Rates update frequently, so you can actually keep tabs. Fixed-rate means you get a lump sum, while the adjustable option lets you be more strategic—draw what you need when you need it, and pay interest on just the amount you’ve touched. The power is in your hands (as it should be).

ALL REVERSE MORTGAGE’S FINANCIAL STRENGTH

All Reverse Mortgage could teach a masterclass in “staying in your lane.” They’re a direct lender hyper-focused on reverse mortgages, not sideline car loans or [insert sketchy payday loans here]. Thanks to FHA insurance and high HUD ratings, the company sits comfortably on the “reputable” end of the industry spectrum. Most customer feedback? Positively glowing.

CUSTOMER ACCESSIBILITY

Availability

All Reverse Mortgage is available in Washington, D.C., and the lucky fifteen:

• Arizona
• California
• Colorado
• Florida
• Georgia
• Illinois
• Maryland
• New Jersey
• North Carolina
• Ohio
• Oregon
• Pennsylvania
• Texas
• Virginia
• Washington

Applicants need to be at least 62 for regular HECMs (or 55 for jumbo loans), and your home has to be the one you actually live in. FHA rules apply.

Contact Information

Straight shooter as ever: Dial 1-800-565-1722 for help, or find a local reverse mortgage counselor right from their website.

USER EXPERIENCE

Their website is like that one tech-savvy grandparent: super helpful, totally unpretentious, and always ready with advice. All Reverse Mortgage keeps things transparent and proudly avoids corny celebrity endorsements. Even absolute beginners will find their way—thanks to easy calculators and clear, jargon-free guides. You’ll walk away smarter than when you arrived, and maybe just a little bit relieved.

CUSTOMER SATISFACTION

If online reviews are to be believed (and in this case, I do!), customers sing the praises of All Reverse Mortgage. No sugarcoating or smoke and mirrors—just straight answers from friendly staff who don’t talk down to you. People genuinely feel taken care of, which is all too rare in the wild world of finance.

ALL REVERSE MORTGAGE FAQs

How does a reverse mortgage work?
It lets you turn your home equity into cash, a credit line, or a monthly payout. The lender only asks for the money back when you move out, sell, or bid this life farewell. No monthly payments while you’re in the house!

What are the downsides to a reverse mortgage?
Your home equity takes a hit, and fees can be hefty. Your heirs might not get as much down the road, so make sure you talk with a loan counselor before making the leap. This isn’t a decision to be made between commercials.

Is All Reverse Mortgage company trustworthy?
You bet. They’re FHA-approved, a proud member of the National Reverse Mortgage Lenders Association, and by all accounts, know how to play by the rules. Customer reviews back it up: they’ve got the receipts.

HOW WE RATED ALL REVERSE MORTGAGE

• The company’s strengths and vulnerabilities
• Range and suitability of products for different folks
• How their rates and pricing stack up against the competition
• Website quality and ease of use
• Customer reviews and satisfaction scores

Summary
All Reverse Mortgage has made a name for itself by playing it straight. From being a member of industry groups to offering a clean, educational website—plus those oh-so-convenient instant quotes and rave reviews—they set a high bar. The main gripe? That pesky limited availability: just 15 states and D.C. If you’re lucky enough to be in their territory, talking to a counselor from All Reverse Mortgage might be the first step toward unlocking a sensible retirement cushion.

Looking to see if a reverse mortgage is your ticket to financial peace of mind? Reach out to All Reverse Mortgage for a no-drama quote and genuine, no-gimmicks guidance.