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Michael G. Branson, CEO of All Reverse Mortgage, Inc., and moderator of ARLO™, has 45 years of experience in the mortgage banking industry. He has devoted the past 20 years to reverse mortgages exclusively. (License: NMLS# 14040) |
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All Reverse Mortgage's editing process includes rigorous fact-checking led by industry experts to ensure all content is accurate and current. This article has been reviewed, edited, and fact-checked by Cliff Auerswald, President and co-creator of ARLO™. (License: NMLS# 14041) |
Michael G. Branson
Edited by 
Cliff Auerswald
Want to see how much you can get from a reverse mortgage? Use America’s only calculator that delivers real-time quotes, current rates, closing costs, and personalized advice. Trusted by thousands and backed by 20+ years of experience, All Reverse Mortgage, Inc. (ARLO™) makes it easy to plan your retirement with confidence.
Why Homeowners Trust Our Reverse Mortgage Calculator
Our calculator is trusted for a reason: it’s accurate, private, and built with your needs in mind.
- No Personal Info Required: Get personalized results instantly without sharing your name, email, or phone number.
- Real-Time Rates: Updated daily to reflect current interest rates, APRs, and HUD’s latest Principal Limit Factors.
- Side-by-Side Loan Comparisons: See how different options stack up for your specific financial situation.
- Simple, Guided Process: User-friendly and intuitive—built for ease and clarity.
- ARLO™ AI-Powered Advice: Proprietary technology recommends the best loan option based on your inputs.
How to Use the Calculator (Step-by-Step)
- Enter Your Zip Code – Helps estimate local third-party costs like appraisal and title.
- Input Your Address – ARLO estimates home value (adjustable if needed).
- Add Your Mortgage Balance (if any) – Determines how much equity is available.
- Enter Age of Youngest Homeowner – Age impacts loan limits, so accuracy here matters.
Pro Tips to Maximize Your Estimate
- Use the Younger Spouse’s Age: Even if under 62, it impacts your loan amount.
- Close Within 6 Months of Your Next Birthday: This can increase your proceeds.
- Accurately Enter Liens/Mortgages: Ensures your equity and cash availability are correctly calculated.
Personalized Results with ARLO™
ARLO Intelligence (AI) guides you to the best reverse mortgage option, clearly explaining your customized results:
Here are the four key areas ARLO will guide you through:
Best Overall Payout: “This rate option will give you access to more cash proceeds over the life of the loan than any other available product. You will notice a line of credit available after 12 months, allowing you to receive the most money possible in the first 12 months. If your number one goal with the Reverse Mortgage is to get as much money as possible, this is your best option.”
Best Over Time: “If you want to keep as much equity in your home as possible while having access to a credit line for emergencies, this could be the right choice. Over time, the loan balance with this option grows slower than other products, leaving you with more equity in the long run. Reviewing the amortization schedule can show how this product helps maintain a lower balance over the years. This makes it a good option if preserving equity is your main goal.”
Lowest Closing Costs: “If keeping your upfront costs low is your priority, this option is great for setting up your reverse mortgage. It’s ideal if you’re more focused on minimizing expenses than maximizing the money you receive. Remember, most fees and costs can be rolled into the loan so that you may have little or no out-of-pocket expenses. This makes it easier to start your reverse mortgage without a significant financial burden.”
Fixed Rate Loan Options: “As the name indicates, this is a Fixed Rate loan option. Your rate would never be subject to change if you choose and close on this product option. If your biggest priority were to secure a rate that would not be subject to change, you would select this option. Fixed Rate loans are a single disbursement lump sum, so there is no option for a credit line. Depending on your circumstances, a Fixed Rate loan option may not provide you with as much available loan proceeds as one of the adjustable products, so you will want to compare the amount of proceeds available when making your decision.
What Others Are Saying
Searching for the best reverse mortgage calculator to understand the numbers, I discovered All Reverse Mortgage and noticed their rates were lower than the major lenders. Their prompt response and quick follow-up demonstrated their commitment to excellent customer service. -Peter H. (BBB)
Calculator FAQs
How does ARLO Intelligence improve calculations?
ARLO analyzes your data to suggest the best loan option based on real-time rates, age, and financial goals.
How much can I borrow?
Your loan amount depends on age, home value, and interest rates. HUD’s Principal Limit Factors determine your borrowing limits.
Do interest rates impact my loan amount?
Yes—lower rates = more proceeds. Higher rates reduce your available funds.
What is the HECM line of credit growth rate?
It grows based on your current loan’s interest rate plus mortgage insurance. This helps increase funds over time.
How is the lump sum payment calculated?
Your lump sum payout follows HUD guidelines and depends on loan type, mandatory obligations, and closing costs.
What’s the downside of a reverse mortgage?
Interest accrues over time, reducing equity. Use our amortization calculator to explore long-term effects.
Why trust this calculator?
We’re the only lender offering real-time reverse mortgage quotes with no personal info required, backed by 20+ years of experience and rated 4.99/5 by homeowners nationwide.
Ready for Your Free Quote? Calculate your options today with All Reverse Mortgage’s trusted calculator—rated 4.99/5 by thousands of satisfied homeowners. Try our easy-to-use calculator or call Toll-Free at (800) 565-1722 to speak directly with our reverse mortgage experts. We’re committed to helping you make confident decisions so you can enjoy retirement your way!
