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Ennkar vs. ARLO: Reverse Mortgage Lenders Compared
Both Ennkar and ARLO specialize in reverse mortgages for homeowners 62 and older. This side-by-side overview covers how each lender approaches HECM programs, proprietary jumbo options, and the path from estimate to closing.
If you are researching reverse mortgage lenders in California or nationwide, you may come across both Ennkar and ARLO. ARLO — the All Reverse Loan Optimizer — is the consumer pricing tool of All Reverse Mortgage, Inc., a HUD-approved direct lender that has originated reverse mortgages exclusively since 2004. Like Ennkar, it is an Orange County reverse mortgage specialist.
Both companies are direct lenders rather than brokers or lead marketplaces, and both focus on helping qualifying homeowners access home equity through federally insured HECM (Home Equity Conversion Mortgage) programs and proprietary jumbo products. Ennkar is a nationally ranked reverse mortgage lender headquartered in Orange, California — with a free online estimate, the Ennkar Connect mobile app, a secure web portal, and licensed loan officers who guide homeowners through HECM, jumbo proprietary, and HECM for Purchase programs.
This page compares publicly available features and service models so you can ask better questions — whichever lender you choose. It is not a recommendation. Speak with a HUD-approved counselor and a licensed loan officer before making any decision.
Feature Comparison
| Topic | Ennkar | ARLO |
|---|---|---|
| Primary focus | Reverse mortgages — HECM, jumbo proprietary, and HECM for Purchase | Reverse mortgages — primarily HECM programs |
| Business model | Direct lender — Ennkar underwrites, funds, and services your loan in-house | Direct lender — All Reverse Mortgage, Inc. (not a broker or marketplace) |
| Headquarters region | Orange, California (Orange County) | Orange County, California |
| Minimum borrower age (HECM) | 62+ (at least one borrower on title) | 62+ (standard HECM requirement) |
| Jumbo / proprietary reverse | Yes — proprietary jumbo programs (age 55+ where available) | Yes — offers proprietary jumbo reverse programs; confirm current limits |
| HECM for Purchase | Yes — buy a new primary residence with a HECM | Offers HECM for Purchase (confirm details with All Reverse) |
| Online estimate tools | Free online estimate at ennkar.com/eligibility, Ennkar Connect app calculator, and review by a licensed loan officer | ARLO online calculator — instant rate and amortization comparisons, no personal details required |
| Online portal | Secure web portal at ennkar.com/dashboard for homeowners, partner brokers, loan officers, and Ennkar staff — estimates, saved scenarios, documents, and lead tracking | ARLO pricing tool — confirm secure borrower/partner portal features on their website |
| Mobile app | Ennkar Connect on the App Store and Google Play — HECM pricing estimates, educational articles, saved scenarios, and connect with a specialist | ARLO is a web-based calculator — confirm any dedicated mobile app on their website |
| Service model | Digital-first platform plus named licensed loan officers — online portal, mobile app, phone, video, and in-person support | Digital-first calculator plus loan officers by phone and remote support |
| State licensing | Licensed in 16 states (NMLS #976231) | Licensed in multiple states (NMLS #13999) — verify current states on NMLS Consumer Access |
| HUD counseling | Coordinates required HUD-approved counseling before closing | Coordinates HUD-approved counseling (required for HECM) |
Competitor details are based on publicly available information and may change. Verify current programs, licensing, and pricing directly with each lender. Ennkar does not guarantee the accuracy of third-party information.
When ARLO May Be a Fit
- The ARLO calculator returns instant rate and amortization comparisons without requiring your name, contact details, or a credit pull — strong for fully self-directed early research.
- Long single-focus track record: All Reverse Mortgage has originated reverse mortgages, and only reverse mortgages, since 2004, with an A+ BBB rating.
- A good fit if you want to compare side-by-side loan scenarios on your own before any conversation with a loan officer.
When Ennkar May Be a Fit
- A full digital stack beyond a calculator: free online estimate, the Ennkar Connect mobile app for iOS and Android, and a secure web portal for homeowners, partner brokers, and loan officers.
- Complete product suite under one direct-lender roof: HECM, jumbo proprietary (age 55+ where available), and HECM for Purchase — with the same Ennkar team from estimate through closing.
- Named, licensed loan officers you can reach by phone, video, or in person — not just a self-service tool — when your situation needs judgment.
- Top-10 national reverse mortgage ranking (HousingWire, January 2021) paired with Orange County roots and boutique-level service.
How to Choose
ARLO (All Reverse Mortgage) and Ennkar are both Orange County direct lenders that specialize in reverse mortgages. Ennkar layers a mobile app, a secure web portal, and multi-state licensing on top of online estimates, with named loan officers when you want personal guidance. Compare product fit (especially jumbo or HECM for Purchase), licensing, and communication style before you decide.
Whichever lender you explore, start with education: read our guide to HECM reverse mortgages, review the HECM program overview, run a free educational estimate, complete HUD-approved counseling, and compare written estimates before you apply.
Frequently Asked Questions
Is ARLO a reverse mortgage lender?
What is the difference between Ennkar and ARLO?
Do both Ennkar and ARLO offer jumbo reverse mortgages?
Which lender should I choose?
These answers are for educational purposes only and do not constitute financial, legal, or tax advice. This is not a commitment to lend. Ennkar, Inc. NMLS #976231. Licensed mortgage company in 16 states. Not all products available in all states. View licensing information · NMLS Consumer Access.
Compare Other Lenders
Researching more than one lender? See how Ennkar stacks up against other reverse mortgage providers.
Use Ennkar online or on your phone
Ennkar Connect is free on iOS and Android — run HECM estimates, save scenarios, and connect with a specialist. Homeowners, partner brokers, loan officers, and Ennkar staff can also sign in to our secure web portal for estimates, documents, and lead tracking.
See your reverse mortgage numbers
Get a free, no-obligation estimate from a licensed Ennkar loan officer — online, in the Ennkar Connect app, or by phone. No pressure — just clear answers about HECM and jumbo programs.
This is not a commitment to lend. Ennkar, Inc. NMLS #976231. Licensed mortgage company in 16 states. Not all products available in all states. View licensing information · NMLS Consumer Access.