All Reverse Mortgage, Inc. — Company Overview

All Reverse Mortgage, Inc. is a HUD-approved reverse mortgage lender headquartered in Orange, California. The company is licensed in 14 states, including Arizona, California, Colorado, Florida, Georgia, North Carolina, New Jersey, Oregon, Pennsylvania, South Carolina, Texas, Virginia, and Washington. California remains its highest-volume market.

Leadership and History

The company is family-owned and operated. Michael Branson serves as Chief Executive Officer, and Cliff Auerswald serves as President. Founded in 2004, All Reverse Mortgage has maintained a singular focus on reverse mortgages since its inception — a distinction from many lenders that split their attention between forward and reverse mortgage products.

All Reverse Mortgage began as a broker in Costa Mesa before converting to a direct lender. Today, it underwrites FHA-insured reverse mortgages in-house under the Department of Housing and Urban Development’s Direct Endorsement (DE) authority. The company’s leadership team was also involved in developing and originating the industry’s first fixed-rate jumbo reverse mortgage in 2008, giving it long-standing experience in proprietary products.

Product Offerings

All Reverse Mortgage originates both FHA-insured HECM loans and a broad range of proprietary programs. The company offers:

• HECM (Home Equity Conversion Mortgage)

• HECM for Purchase

• Proprietary/Jumbo Reverse Mortgage programs, including:

  • Platinum Jumbo

  • HomeSafe® Jumbo

  • HomeSafe® Second

  • A senior-focused reverse mortgage-style HELOC program

These proprietary products are designed for homeowners with higher-value properties who need access to equity beyond the FHA lending limit. Several programs also offer solutions for borrowers in non-FHA-approved condominiums, a common barrier for HECM eligibility.

Specialization and Expertise

Because the company concentrates exclusively on reverse mortgage lending, its originators work solely with HECM and proprietary programs. Industry observers frequently cite this specialization as a factor in the lender’s strong customer satisfaction ratings and borrower education efforts.

ARLO — All Reverse Loan Optimizer

In 2017, the company introduced ARLO (All Reverse Loan Optimizer), one of the first consumer-facing comparison engines in the reverse mortgage space. ARLO provides users with:

• Real-time interest rates and APR

• Line-of-credit growth projections

• Principal Limit Factor comparisons

• Loan costs and credits across multiple programs

• Amortization and long-term equity projections

The tool does not require personal information and is built around transparent comparisons across FHA and proprietary options. ARLO also features a publicly searchable database of more than 1,600 reverse mortgage questions and answers, making it one of the larger knowledge resources available to consumers.

Industry Recognition

All Reverse Mortgage has been featured in national and trade media over the years. Notable recognitions include:

• Named to AdvisoryHQ’s “Top Reverse Mortgage Lenders” list (2016–2017)

• Highlighted in the Huffington Post as “The Maverick is All Reverse Mortgage”

• Rated Best Reverse Mortgage Website by Professor Jack Guttentag (“The Mortgage Professor”)

• Winner of Best Reverse Mortgage Brand in the Reverse Mortgage Daily Awards

The company holds an A+ rating with the Better Business Bureau, a 5/5 independent consumer review score, and a 97% BBB Net Promoter Score, significantly above the industry average.

Educational Resources

All Reverse Mortgage operates an extensive online information hub that includes detailed guides, rate explanations, calculators, product breakdowns, and ongoing commentary on policy changes within the FHA/HUD program. Its blog covers reverse mortgage news, regulatory updates, and emerging product developments across the HECM and proprietary markets.