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One thing that can be said with certainty about reverse mortgages – otherwise known as Home Equity Conversion Mortgages (HECMs) – is that there is no shortage of different options in terms of product offerings and features.

For a senior preparing to get a reverse mortgage loan, it can be daunting and intimidating to simply get more information about the whole plethora of options that are available, and cutting through the noise to find out which kinds of options will be best for an individual borrower can be a difficult thing to do.

This is where ARLO™ – the All Reverse Loan Optimizer – comes into play. ARLO™, launched in 2017 by Orange, Calif.-based reverse mortgage lender All Reverse Mortgage, aims to simplify the process of finding the right reverse mortgage by allowing prospective applicants to preview an array of different loans with several variables, including annual rates, origination fees, and credits. The goal that ARLO sets out to achieve is to help borrowers navigate the landscape of product offerings, mortgage insurance premiums and principal limit factors to find the right option for them and their situation.

“I believe this is a win for the consumer, while also supporting the needed solvency of the reverse mortgage program,” All Reverse president Cliff Auerswald says.

With ARLO™, borrower prospects can gain real-time amortization, interest rate and closing-cost projections, allowing them to get a sense of the actual costs associated with getting a reverse mortgage — both upfront and on an ongoing basis. ARLO™ also covers a searchable database of more than 1,600 questions and answers aimed toward helping prospective borrowers learn more about reverse mortgages, and how they can expect the loans to impact their own financial situations.

One of the things that separates ARLO™ from other places you may be able to find reverse mortgage information is that it has a dedicated, real-time answering process for any possible reverse mortgage question that’s submitted to it. That’s one of the things that helps to make the tool so unique: if your question revolves around a deeply specific financial scenario or the ways in which certain product features could interact with other parts of a potential applicant’s finances, ARLO™ will have it answered as quickly as possible.

And, for those questions that have already been asked, the searchable database of more than 1,600 previously answered questions may already cover topics that some potential borrowers already need information about. Hundreds of questions over nearly 20 existing topic areas are accessible to anyone using ARLO™, so there is a good likelihood that a potential issue has already been answered.

For situations and scenarios where this is not the case, however, ARLO™ is ready and able to locate the answers for any other issues that could present themselves in terms of a borrower’s reverse mortgage uncertainty. A major reason for ARLO™’s ability to answer a whole host of questions on the topic comes from the experience that guides ARLO™’s answers: the experience of All Reverse Mortgage CEO and owner Michael G. Branson and All Reverse’s team of reverse mortgage-specific experts.

Michael has over 40 years of experience in the mortgage banking industry and has spent nearly two decades focused specifically on the reverse mortgage sector. Mike has a lot of “firsts” under his belt, beginning with the start of his career back in 1982 as part of the team at General Electric Mortgage Insurance Corporation. That was the first time that AAA mortgage backed securities were brought to market, and Michael was also part of the team that developed and introduced the first fixed-rate, proprietary jumbo reverse mortgage to market, which was sold to a private investor in 2007.

Michael has specialized in reverse mortgages for nearly 20 years, and his expertise in the field has been called on in interviews for several publications including Forbes, Kiplinger Retirement Report, MarketWatch, HousingWire, Reverse Mortgage Daily, the Los Angeles Times, and more. His work with reverse mortgages has helped to solidify him as an authority on the topic, and it’s this authority that underpins the wide information database that ARLO™ stands as in the reverse mortgage business.

ARLO™ has been praised by both the reverse mortgage business itself and associated trade publications as valuing the ability to give good information to borrowers before simply selling them a product. The longest-lived, most successful reverse mortgage loans come from a borrower having access to a great deal of good information, and ARLO can be a major tool in making sure that a reverse mortgage applicant knows everything that they need to before they sign on the dotted line.

Find out today how ARLO™ can help you. Whether you have a question covered by a pre-existing topic like basic eligibility up through loan maturity, or if you have a unique question that’s never been asked of the tool before, ARLO™ offers real-time answers to your important questions on reverse mortgage loans.

Award Winning Reverse Mortgage Calculator
Most Sophisticated Reverse Mortgage Pricing Engine Available - Yahoo Finance
ARLO is a Philosophy of Educating Borrowers Rather than Selling Them. - Housing Wire
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Customer Reviews (17)
Sam R., San Diego CA   June 10, 2019
In reading the many positive reviews submitted by others doing business with All Reverse, it is difficult to add more kudos to the very positive experience of working with them. As others noted, we also did our due diligence in getting the advice of our financial/accounting representative who we've been with for about 40 years, we spoke with two or three other firms offering reverse mortgages, and with others who currently have reverse mortgages. In making the decision to go with All Reverse, we had the opportunity to visit their facility which is close to our home and meet with Cliff. Cliff gave us a tour of the facility, introduced us to his staff, and this further confirmed out decision to do business with All Reverse. The application process and loan completion was efficient and expeditious. We can confidently recommend All Reverse as a firm to do business with.
Smith M., Mesa AZ   June 5, 2019
ARLO team is wonderful. Looking for a loan can be overwhelming and hard to know who to trust. I did lots of research and compared many places. ARLO was super honest and helpful. I would highly recommend John Briggs and would happily work with him again in the future!
Miller G., Waco TX   May 18, 2019
I worked with ARLO and he was very professional and efficient, and friendly. I had applied for refinancing through a bank and was denied, however they was able to get us qualified for a lower rate and we were able to refinance our home after all. He did a great job and I will definitely recommend him to anyone I know!
Thomas, San Francisco CA   May 8, 2019
I worked with Mike Schuler on ARLO's team on the reverse mortgage refinancing of our condo in Bernal Heights, San Francisco. He's well organized, straight to the point and friendly. This refinancing was the last step of a condo-conversion so it made things more complicated but they knows exactly how to tackle those kind of situations. Great professional!
Lea D., Sacramento CA   April 16, 2019
I am widowed, 75, and live alone, and came to a point where inflation ran over me. I needed some expensive home repairs to I checked out four reverse mortgage specialists and chose "All Reverse Mortgage". I'm satisfied I made the correct choice, all my questions were promptly answered and I feel they bent over backwards to relieve my stress and I was very stressed doing this! Of the four companies I looked into I could not get my questions answered by a VERY big company and two others were slow to respond. All the people who work for "All Reverse Mortgage" were terrific!
Carolyn K., Mission Viejo CA   February 28, 2019
I am more than just a little impressed with All Reverse Mortgage. The amount of information and help I have received from ARLO is beyond the beyond. I originally contacted three companies. The other two were so far behind All Reverse Mortgage that it is truly absurd. Some answers provided to me in less than 24 hours the other two companies couldn't get back to me in weeks if ever. All Reverse Mortgage is totally available and able to help you in the understanding of the undertaking of a reverse mortgage. I cant say it enough--the comparison makes the other two companies look ridiculous. This is for sure the place to go!!!!!!
Pearl, Dallas TX   February 13, 2019
I want to extend a very special Thank You to you and your ARLO staff for the superior service I received during the processing of my mortgage loan. You were all very courteous, professional and efficient, as well as tolerant of my inquiries. I especially appreciate the effort to complete the transaction in time to pay off the existing mortgage before the increase. Your comment “We will take great care of you” was not only reassuring at the time, but proved to be true. I am delighted with your service.
Martha, Orlando FL   March 2, 2018
Our experience with ARLO was extremely gratifying. We spoke with some very nice, pleasant and helpful people. We were guided through the process and it was very easy and went very quickly. Before we knew it, we had our lump sum and our monthly deposit was right on time. We were able to work it out so that we received a lump sum of cash along with a monthly deposit. It worked out to be exactly what we wanted and we are extremely pleased. We would recommend ARLO to friends and family as they are number one in our book. Thank you ARLO and we will always recommend you to anyone. If you are interested in a reverse mortgage give them a call as they are the best in their business.