All Reverse Mortgage, often referred to by its ARLO (All Reverse Loan Optimizer) brand, is a smaller, specialized lender that has built an outsized reputation in the reverse mortgage industry. While it doesn’t have the name recognition of Finance of America or the broad portfolio of Mutual of Omaha, All Reverse Mortgage has carved out a loyal following by focusing exclusively on reverse mortgage products and by being transparent with customers through its online tools.
How All Reverse Mortgage (ARLO) Works
Like other lenders, All Reverse requires HUD counseling before beginning the application. From there, the steps are straightforward: application, appraisal, underwriting, and closing. Because the company is smaller, borrowers frequently report that the process feels more direct and less bureaucratic.
Closing timelines usually fall in the four-to-six-week window, though borrowers note that the responsiveness of loan officers helps keep things moving at a steady pace.
Strengths and Weaknesses
Strengths
- Exclusive focus on reverse mortgages
- Highly transparent online calculator (ARLO)
- Consistently strong customer reviews and BBB rating
- Competitive, often lower, fees
Weaknesses
- No physical branch network
Smaller scale compared to national lenders. - Less brand recognition among seniors who are unfamiliar with online research
All Reverse Loan Optimizer (ARLO)
- America’s leading HUD-approved reverse mortgage lender
- Two decades of specialized mortgage service
- Get an instant quote online
- A+ Exemplary rating from the Better Business Bureau (BBB)
- ARLO Reverse Mortgage Review
All Reverse Mortgage has become a customer favorite thanks to its ARLO calculator, which lets borrowers see loan estimates upfront. Families consistently praise the company’s transparency and low-pressure approach.
- Pros: Transparent online tools, lower-than-average fees, highly rated customer service
- Cons: No physical branches, smaller scale than national brands
Company Background
Founded in 2004, All Reverse Mortgage is a direct lender that operates nationwide but without a network of physical branches. Instead, it leans heavily on its digital presence. The ARLO calculator is one of the most popular online tools for families researching reverse mortgages, providing borrowers with the ability to run their own numbers before speaking with a loan officer.
The company’s smaller size means it doesn’t originate as many loans as the big players, but its specialization allows it to deliver a more tailored experience. Families often describe it as approachable and responsive, without the heavy sales push of some competitors.
Costs and Fees
One of the areas where All Reverse Mortgage stands out is cost transparency. The ARLO calculator enables families to view estimated fees, interest rates, and payout options upfront. This level of clarity helps borrowers feel more in control of the process.
Fees themselves are competitive with, and sometimes lower than, those of larger lenders. While exact costs depend on the loan and property, customers consistently highlight that there are no “surprise charges” buried in the paperwork.
Customer Experience
Customer feedback for All Reverse Mortgage is overwhelmingly positive. The company holds an A+ rating with the Better Business Bureau and strong customer review scores across multiple platforms. Borrowers often mention the patience of loan officers, the clarity of the ARLO calculator, and the lack of sales pressure compared to national competitors.
The main drawback some families point out is the lack of physical branches. For seniors who prefer face-to-face meetings, the online-first approach can feel less comfortable.
How All Reverse Mortgages Compares
In comparison to Finance of America, All Reverse Mortgage appears more transparent and sales-driven, although it lacks the same household-name recognition. Compared to Longbridge, it shares a similar focus on clarity but is even smaller in scale. For families seeking straightforward information, competitive fees, and a straightforward process, All Reverse Mortgage earns its spot on the shortlist.
Rating Scale
We compared ARLO reverse mortgages against those of the best reverse mortgage companies across four core categories. Here’s how it stacked up.
- Customer Experience: (4.7/5)
- Fees & Costs: (4.8/5)
- Product Options: (4/5)
- Speed of Process: (4/5)
- Overall Score: (4.4/5)
AssistedKin’s Top 5 Reverse Mortgage Companies
| Lender | Recommended For | Key Strength | Editor's Rating | Next Steps |
|---|---|---|---|---|
| Longbridge Financial | Best for Customer Support | Patient, detailed guidance with no monthly servicing fees | 4.2 | Explore Loan Options |
| All Reverse Mortgage (ARLO) | Best for Transparency | Online calculator and consistently strong customer reviews | 4.4 | Explore Loan Options |
| Mutual of Omaha | Best for Trust Factor | Backed by a century-old brand trusted by millions of households | 4.0 | Explore Loan Options |
| Guild Mortgage | Best for Community Lending | Long history and local branch presence for in-person service | 3.9 | Explore Loan Options |
| Finance of America Reverse | Best for Product Options | Wide range of loans, including jumbo/proprietary reverse mortgages | 4.3 | Explore Loan Options |
Final Thoughts
All Reverse Mortgage isn’t the biggest lender, but it’s one of the most trusted among families who value transparency and a no-pressure process. Its online-first approach makes it a perfect fit for borrowers who are comfortable using digital tools. At the same time, those who prefer face-to-face interaction may choose a lender with physical branches.
Frequently Asked Questions
Answers to common questions about All Reverse Mortgage (ARLO).
ARLO is All Reverse Mortgage’s online calculator that lets borrowers estimate payouts, fees, and loan terms before speaking with a loan officer.
Many customers find its fees to be slightly lower and more transparent than those of larger lenders.
Usually four to six weeks, similar to other national lenders.
Families and seniors who value transparency, lower fees, and an online-first approach.
