Homeowners Mortgage and Equity, Inc. | homeownersmortgageandequity.com
By accessing or using the website located at homeownersmortgageandequity.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). These Terms apply to all visitors, users, and anyone who accesses or uses the Site. If you do not agree to these Terms, please do not use this Site.
These Terms are entered into between you and Homeowners Mortgage and Equity, Inc. ("Company," "we," "us," or "our"), a licensed California mortgage broker (NMLS #1229133).
Important: Nothing on this website constitutes a mortgage loan application, a commitment to lend, or an offer to enter into any loan agreement. Submission of a contact or quote request form is not an application for credit. Loan approval, terms, and availability are subject to credit qualification, property appraisal, underwriting review, and applicable state and federal regulations.
All calculations, estimates, and figures displayed on this Site — including the reverse mortgage equity calculator — are approximations for informational purposes only and do not represent actual loan terms or guaranteed proceeds. Actual results will vary based on current interest rates, property value, borrower age, loan program selected, and other factors.
This Site is intended for use by California residents who are exploring reverse mortgage options for their primary residence. You agree to use this Site only for lawful purposes and in a manner that does not infringe on the rights of others. You may not:
The content on this Site is provided for general informational and educational purposes only. It is not intended as, and should not be relied upon as, financial, legal, tax, or investment advice. Reverse mortgages are complex financial products, and individual circumstances vary significantly.
We strongly encourage you to:
All content on this Site — including text, graphics, logos, images, and software — is the property of Homeowners Mortgage and Equity, Inc. or its content suppliers and is protected by applicable intellectual property laws. You may view and print pages from this Site for your personal, non-commercial use only.
The "Homeowners Mortgage and Equity" name, logo, and any other marks displayed on this Site are trademarks or service marks of our company. You may not use these marks without our prior written consent.
This Site may contain links to third-party websites, including lender websites, government resources such as HUD.gov, and the NMLS Consumer Access portal. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party sites. Accessing third-party links is at your own risk.
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and protection of your personal information.
This Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We make no representations about the accuracy, completeness, or timeliness of any content on this Site.
To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by applicable law, Homeowners Mortgage and Equity, Inc., its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Site or its content — even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising from your use of this Site shall not exceed one hundred dollars ($100.00).
Homeowners Mortgage and Equity, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status, or any other characteristic protected by applicable federal or state fair lending laws, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act.
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in California.
We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to this page with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
Contact us at:
Homeowners Mortgage and Equity, Inc.
Kevin Pierce, NMLS #892888
(800) 405-6000
NMLS #1229133 — Licensed in California