Terms of Service
Last updated: March 2026
Educational Purpose
This information is for educational purposes only and should not be considered financial advice. Consult with a qualified financial advisor. The content on this website is intended to help homeowners understand HECM (Home Equity Conversion Mortgage) products. Nothing on this site constitutes a loan application, commitment, or offer.
Not a Commitment to Lend
This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All estimates, projections, and calculations provided on this website are illustrative only and do not represent an actual loan offer. Actual loan terms, amounts, and eligibility are determined by a licensed loan originator after a formal application, appraisal, and underwriting process.
FHA Disclaimer
These materials are not from HUD or FHA and the document was not approved by HUD, FHA, or any government agency.
Calculator Estimates
The HECM calculator on this website uses published Principal Limit Factor (PLF) tables and standard cost formulas to generate estimates. These estimates are approximations and may differ from actual loan amounts due to variations in appraisal values, interest rates, lender fees, and other factors determined during the formal application process.
Licensing
123 Reverse provides HECM advisory and educational services. All loan origination is conducted by licensed NMLS loan originators. We will clearly identify when you are transitioning from our advisory services to a licensed loan originator.
Intellectual Property
All content on this website, including text, graphics, logos, videos, and software, is the property of 123 Reverse and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
Limitation of Liability
123 Reverse shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein. All financial decisions should be made in consultation with qualified professionals.
Contact
For questions about these terms, please contact us.