Terms of Service
Effective Date: [03/20/2026]
Welcome to Access Home Lending (“Access Home Lending”, “Company,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, services, and reverse mortgage-related offerings (collectively, the “Services”). By using the Site, you agree to abide by all of the terms and conditions set forth in this notice. Unless stated otherwise, any new services and materials added to this Site also will be covered by these Terms and Conditions of Use.
PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE. YOUR ACCESS AND USE OF THIS WEBSITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW.
1. Eligibility
By using our Services, you represent and warrant that you meet all applicable eligibility requirements, including that you are at least 21 years of age (or such other minimum legal age as required under applicable law), and that you satisfy all other financial, residency, creditworthiness, and property-related criteria necessary to obtain a mortgage or other loan products in accordance with governing laws and regulations.
2. Nature of Services
We provide information, tools, and assistance related to reverse mortgage products, including Home Equity Conversion Mortgages (HECMs) and proprietary reverse mortgages.
We are not a financial advisor, tax advisor, or legal professional unless explicitly stated.
Any information provided is for general informational purposes only and should not be relied upon as sole financial guidance.
3. No Guarantee of Approval
Submission of an inquiry or application does not guarantee approval for Service. Loan approval is subject to:
Credit and financial evaluation
Property eligibility
Compliance with federal and state regulations
Third-party underwriting criteria
4. User Responsibilities
By using our Services, you agree:
To provide accurate, current, and complete information
Not to misrepresent your identity or financial status
To use the Services only for lawful purposes
Not to attempt to disrupt or interfere with the security or operation of the Services
5. Independent Counseling Requirement
Reverse mortgages, particularly HECMs, require counseling by a HUD-approved counselor. You acknowledge that:
You will complete required counseling before loan closing
The Company is not responsible for the advice provided by third-party counselors
6. Fees and Costs
Reverse mortgages may include fees such as:
Origination fees
Mortgage insurance premiums
Closing costs
Servicing fees
All fees will be disclosed in accordance with applicable laws.
All fees will be disclosed in accordance with applicable laws. You agree to review all disclosures carefully before proceeding.
7. Privacy
Your use of our Services is also governed by our Privacy Policy. We may collect and use personal information in accordance with applicable privacy laws.
8. Third-Party Services
We may partner with lenders, brokers, or service providers. We are not responsible for:
The actions or omissions of third parties
The terms and conditions imposed by third-party providers
You agree that any dealings with third parties are solely between you and those parties.
9. No Financial or Tax Advice
Reverse mortgages can have significant financial and tax implications. You are encouraged to consult with:
A qualified financial advisor
A tax professional
A legal advisor before making any decisions.
10. Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of the Company or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
11. Disclaimer of Warranties
The Services are provided “as is” and “as available” without warranties of any kind, either express or implied, including:
Merchantability Fitness for a particular purpose
Non-infringement
We do not guarantee that the Services will be uninterrupted or error-free.
12. Limitation of Liability
To the fullest extent permitted by law, the Company shall not be liable for any:
Indirect, incidental, or consequential damages
Loss of profits or financial losses
Decisions made based on information provided through the Services
13. Indemnification
You agree to indemnify and hold harmless the Company, its affiliates, officers, employees, and agents from any claims, damages, or expenses arising out of your use of the Services or violation of these Terms.
14. Compliance with Laws
You agree to comply with all applicable federal, state, and local laws, including regulations governing reverse mortgages and consumer financial protection.
15. Termination
We reserve the right to suspend or terminate your access to the Services at any time, without notice, for any violation of these Terms or applicable laws.
16. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.
17. Dispute Resolution
Any disputes arising under these Terms shall be resolved through:
Good faith negotiation
Mediation, if necessary
Binding arbitration, where permitted by law
18. Changes to Terms
We may update these Terms from time to time. Changes will be effective upon posting. Your continued use of the Services constitutes acceptance of the revised Terms.
19. Contact Information
If you have any questions about these Terms, please contact us at:
Access Home Lending
23832 Rockfield Blvd
Suite 235, Lake Forest
CA 92630
(800) 503-8125