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Acceptance
By using SeniorFinance.com you agree to these terms. If you do not agree, please do not use the site.
This site is information, not advice
Everything published here is general information about reverse mortgages. It is not financial, tax, legal, or investment advice, and it is not a recommendation that any particular product suits your circumstances. Reverse mortgages are complex and consequential. Speak to a HUD-approved counselor — which is required in any event — and to your own tax and legal advisers before deciding anything.
Estimates are estimates
The calculators and questionnaires on this site produce illustrations only. They are not loan offers, commitments to lend, advertisements of specific credit terms, or guarantees of any amount. They rely on approximations of published principal limit factors, an assumed FHA lending limit, and a representative expected interest rate, none of which will match your file exactly. Your actual figures require an appraisal, a case number assignment, and a financial assessment. Do not make decisions on the basis of a number produced by this website.
No client relationship is created
Using this site or submitting a form does not create a lending relationship, a broker relationship, or any obligation on either side. No application has been made and no credit decision has been rendered until you complete a formal application and receive a written decision.
Accuracy
We work to keep the content here current and correct, particularly the program figures, which change annually. Regulations, lending limits, rates and program terms nonetheless change without notice, and errors are possible. Nothing here is warranted to be accurate, complete, or current, and the authoritative sources are HUD, FHA, and your own loan documents.
Third-party links
We link to HUD, the CFPB, NMLS Consumer Access and other outside resources for your benefit. We do not control them and are not responsible for their content.
Intellectual property
The content, design and code of this site are owned by Erath Solutions LLC and protected by copyright. You may read, print and share pages for personal, non-commercial use. You may not republish, scrape, or repurpose the content commercially without written permission.
Acceptable use
Do not submit false information, use the forms to send unsolicited commercial messages, attempt to gain unauthorised access, or use automated systems to scrape the site.
Limitation of liability
To the fullest extent permitted by law, Erath Solutions LLC and its principals are not liable for any indirect, incidental, consequential or punitive damages arising from your use of this site or reliance on its content. The site is provided “as is” without warranties of any kind. Some jurisdictions do not permit these exclusions, so parts may not apply to you.
Governing law
These terms are governed by the laws of the State of New York, without regard to conflict of law principles.
Changes
We may revise these terms. The date above reflects the current version, and continued use after a change means you accept it.
Contact
Erath Solutions LLC, 401 Broadhollow Road, Suite 150, Melville, NY 11747
631-926-0592 · rerath@unitedmortgage.com