Acceptance of these terms
These Terms of Service govern your use of this website, operated by Home Central Financial (doing business as Reverse Mortgage Plus), a California-licensed mortgage brokerage, NMLS #1181137. By using the site, you agree to these terms. If you do not agree, please do not use the site.
Informational purpose only
The content on this website is provided for general educational and informational purposes about reverse mortgages. It is not financial, legal, or tax advice, and it does not create a broker-client or fiduciary relationship. You should consult a qualified financial advisor, attorney, or tax professional, and complete the required independent HUD counseling, before making decisions about your home equity.
Not a commitment to lend
Nothing on this website is an offer or commitment to lend, an approval, or a guarantee of any loan, loan amount, interest rate, or term. All reverse mortgage products are subject to credit and property eligibility, underwriting approval, FHA guidelines (for HECM loans), and current market conditions.
Estimates and calculator results
Any figures shown by our calculator or in an estimate are illustrative approximations based on the limited information provided and general assumptions. They are not an appraisal, a quote, or a promise of funds. Your actual figures will depend on your age, verified home value, existing mortgage balance, program selected, and rates in effect at closing.
Eligibility and your responsibilities
Reverse mortgages are generally available to homeowners age 62 and older who occupy the home as their primary residence and can maintain property taxes, homeowners insurance, and upkeep. You agree to provide accurate information and to use this website only for lawful purposes.
Communications
If you contact us or submit a form, you authorize us to respond by phone, email, or — where you opt in — text message. Message and data rates may apply; reply STOP to opt out of texts and use the unsubscribe link to opt out of marketing email. Please do not transmit sensitive information such as a Social Security number through this website.
Intellectual property
The content, design, and trademarks on this site are owned by Home Central Financial or its licensors and are protected by law. You may view and print pages for personal, non-commercial use; any other use requires our written permission.
Third-party links and services
This site may link to third-party websites and tools, such as the HUD counselor directory, scheduling, or analytics services. We do not control and are not responsible for the content, accuracy, or practices of those third parties.
Disclaimer of warranties
This website is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including accuracy, reliability, or fitness for a particular purpose, to the fullest extent permitted by law.
Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, this website or any content on it.
Licensing
Home Central Financial is a licensed mortgage brokerage regulated by the California Department of Financial Protection and Innovation (DFPI). CA-DFPI Licensed Mortgage Broker. NMLS #401212 (individual) · Company NMLS #1181137. Equal Housing Opportunity. The Home Equity Conversion Mortgage (HECM) is insured by the Federal Housing Administration (FHA).
Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any dispute will be subject to the exclusive jurisdiction of the state and federal courts located in California.
Changes to these terms
We may update these Terms of Service from time to time. The current version will always be posted on this page with a revised “Last updated” date. Continued use of the site means you accept the updated terms.