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All Reverse Mortgage, Inc. is a direct Jumbo reverse mortgage lender with a 20-year track record of excellence. Our A+ BBB Rating and countless 5-star reviews show our commitment to helping homeowners like you enjoy peace of mind and financial freedom.

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ARLO™ isn’t just a calculator—it’s your jumbo reverse mortgage guide, powered by advanced intelligence to make your journey simple and stress-free.

• Step-by-Step Tutorials: Easy-to-follow guidance ensures you feel confident at every stage of the process.
• Real-Time Interest Rates: Always up-to-date, so you know exactly where you stand with current market conditions.
• Side-by-Side Loan Comparisons: Compare HECM vs JUMBO options at a glance to choose the plan that best fits your financial goals.
• Custom Amortization Schedules: See how your loan balance changes over time, empowering you with transparency and clarity.

A jumbo reverse mortgage is a type of reverse mortgage for homeowners with high-value properties or properties that may not conform to HUD/FHA insurance requirements. While traditional reverse mortgages are insured by the Federal Housing Administration (FHA, which is a division of the Department of Housing and Urban Development or HUD, so FHA and HUD will be used interchangeably) through its Home Equity Conversion Mortgage (HECM) program, jumbo reverse mortgages are not.

Instead, they are known as proprietary or Non-FHA reverse mortgages. The jumbo programs also have their own underwriting requirements, so that does not mean that any property that cannot be used for FHA financing can be used for the jumbo programs. The private programs set their own underwriting parameters, and therefore, they will accept many property, borrower, and loan scenarios that the FHA underwriting requirements may not accept.

Jumbo reverse mortgages offer loan amounts much higher than the FHA. The FHA program limits borrowers to a percentage of the HUD maximum lending limit or the appraised value, whichever is less, and the current lending limit is $1,209,750. Based on interest rates and the borrowers’ ages, with the FHA program, the actual maximum loan amount for borrowers is much less than the current maximum loan amount of $4,000,000 for jumbo programs. This means homeowners with more valuable homes can borrow more money than they could with a standard HECM loan that would be capped at a percentage of $1,209,750, even for properties with values that far exceed the FHA limit of $1,209,750.

These loans are designed for homeowners with higher home values, such as those in states like California, where property prices often exceed the national average. If your home is worth more than what an average HECM loan accommodates, a jumbo reverse mortgage could be a suitable option for you. However, we will also discuss some situations where the jumbo program might work best for borrowers with properties valued at or below the HECM limit due to borrower or property parameters.

If you own a higher-value home, the new lending limit presents exciting opportunities to:

Access More Equity Than Ever Before: 

With the new $4,000,000 lending limit, homeowners can tap into significantly higher amounts of their home equity, offering greater financial flexibility and opportunities.

Achieve Financial Goals Without Selling Your Home: 

Whether enhancing retirement income, funding home improvements, or covering healthcare costs, this increased limit provides a larger safety net while you retain ownership of your home.

Take Advantage of Rising Home Values:

The record-high lending limit reflects strong market conditions, enabling homeowners to leverage their investment and access greater borrowing potential.

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This material has not been reviewed, approved, or issued by HUD, FHA, or any government agency. All Reverse Mortgage, Inc. is an independent company and is not affiliated with, acting on behalf of, or directed by HUD/FHA or any government agency. This content does not constitute tax advice. Reverse mortgage programs may not be available in all states. For specific state availability, visit https://reverse.mortgage/map.