Terms of Use

Effective date: July 23, 2026

Welcome to PhoenixReverseMortgage.com. By using this website you agree to these terms. They are short and worth reading.

1. What This Site Provides

This site publishes general educational information about reverse mortgages and related topics, and operates an advertising and referral service that connects interested consumers with licensed mortgage professionals. The site is not a lender, mortgage broker, financial advisor, law firm, or government agency, and nothing here is an offer or commitment to lend.

2. Not Financial, Legal, or Tax Advice

Content on this site is general information, not advice for your individual situation. Reverse mortgages are significant financial decisions. Before acting, consult a HUD-approved housing counselor (required for HECM loans in any case), and where appropriate a licensed financial advisor, attorney, or tax professional. Do not rely on this site as a substitute for professional advice.

3. Estimates Are Estimates

Calculator results and example figures are approximations based on published program parameters and typical assumptions. They are not quotes, offers, or guarantees of qualification, loan amount, rate, or terms. Actual loan terms are determined solely by licensed lenders based on application, appraisal, and underwriting.

4. Accuracy and Changes

We work to keep content accurate and current, and we date our guides. Program rules, limits, rates, and market conditions change, and despite our efforts, content may contain errors or become outdated. We may update, correct, or remove content at any time. If you spot an error, please tell us.

5. Third Parties

If you request to be connected with a specialist, your relationship with any lender or broker who contacts you is solely between you and them. We do not endorse, control, or take responsibility for the products, advice, rates, or conduct of third-party professionals, and we are not a party to any transaction you enter with them. Links to external websites, including government resources, are provided for convenience; we are not responsible for their content.

6. Acceptable Use

You agree not to submit false information through our forms, not to scrape or republish site content at scale, and not to use the site for any unlawful purpose. Content on this site is protected by copyright and may not be republished without permission, aside from brief quotations with attribution and a link.

7. Disclaimer of Warranties and Limitation of Liability

The site is provided "as is," without warranties of any kind, express or implied. To the maximum extent permitted by law, we disclaim liability for any damages arising from your use of the site or reliance on its content. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

8. Governing Law

These terms are governed by the laws of the State of Arizona, without regard to conflict-of-law rules.

9. Contact

Questions about these terms: use the contact page. Our advertising relationships are described in the advertising disclosure, and our data practices in the privacy policy.