Welcome to ReverseQuotes.com. These Terms of Service (“Terms”) govern your access to and use of ReverseQuotes.com, including its webpages, forms, calculators, educational materials, videos and related services (collectively, the “Website”).
ReverseQuotes.com is a website operated by Key Home Lending, LLC, doing business as Reverse Mortgage Reality (“Key Home Lending,” “Reverse Mortgage Reality,” “we,” “us” or “our”)
By accessing or using this Website, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Website.
1. Company information
Key Home Lending, LLC, a licensed mortgage broker, doing business as Reverse Mortgage Reality, operates ReverseQuotes.com and provides reverse-mortgage education, quote requests and mortgage-brokerage services.
Key Home Lending, LLC only offers or arranges mortgage products in jurisdictions where it is properly licensed or otherwise legally permitted to conduct business. Product availability varies by state.
2. Educational and informational purposes
The information provided through this Website is for general educational and informational purposes. It is intended to help consumers understand reverse mortgages and other home-financing options.
Website content does not constitute legal, tax, accounting, investment or financial-planning advice. You should consult appropriately qualified professionals regarding your individual circumstances.
Nothing on this Website should be interpreted as a commitment to lend, an approval, a loan offer or a guarantee that you will qualify for any particular mortgage product.
3. No government affiliation
Key Home Lending, LLC, ReverseQuotes.com and Reverse Mortgage Reality are not government agencies and are not acting on behalf of the United States Department of Housing and Urban Development, the Federal Housing Administration or any other government agency.
Certain Home Equity Conversion Mortgages may be insured by the Federal Housing Administration. This does not mean that Key Home Lending, LLC or this Website is operated, sponsored or endorsed by the federal government.
4. Reverse-mortgage information
Reverse-mortgage eligibility, loan proceeds, interest rates, fees and available payment options depend on numerous factors. These may include the age of the eligible borrower, property value, existing mortgage balances, applicable interest rates, property type, financial assessment, state, program availability and lender requirements.
Any estimates, examples, calculators or preliminary figures presented on this Website are illustrations only. They are not guaranteed loan terms and may change after verification of the borrower’s information, appraisal, title review, counseling, underwriting and other applicable requirements.
A reverse mortgage is a loan secured by the home. Depending on the program, repayment generally becomes due when a maturity event occurs, such as when the last eligible borrower permanently leaves the home, sells the property or dies.
Borrowers generally retain title to their homes but must continue satisfying the applicable loan obligations. These may include:
Paying property taxes;
Maintaining required homeowners and flood insurance;
Keeping the property in an acceptable condition;
Paying applicable homeowners association charges; and
Occupying the home as a principal residence when required by the loan program.
Failure to satisfy applicable loan obligations may result in default and possible foreclosure.
Independent counseling may be required before a reverse-mortgage application can proceed.
5. No guarantee of approval or results
Submitting information through ReverseQuotes.com does not guarantee:
Loan approval;
Eligibility for a reverse mortgage;
A particular interest rate or loan amount;
A specific amount of available proceeds;
Elimination of any existing debt;
The absence of closing costs or fees; or
Any particular financial, tax or estate-planning result.
All loans are subject to applicable program guidelines, lender requirements, underwriting, property eligibility, verification and approval.
Terms, programs and availability may change without notice.
6. Information you provide
You agree that information submitted through this Website will be accurate and complete to the best of your knowledge.
Information submitted through an online form may be used to:
Respond to your inquiry;
Evaluate potential mortgage options;
Contact you concerning your request;
Provide educational information;
Schedule a consultation; and
Perform other activities described in our Privacy Policy.
Submitting an inquiry does not create a lender-borrower relationship, broker-client relationship, fiduciary relationship or other professional relationship. Any mortgage relationship will be governed by the documents and disclosures provided during the formal application and loan process.
7. Telephone, email and text communications
When you provide your telephone number or email address, you authorize Key Home Lending, LLC and its representatives to respond to your inquiry by telephone or email.
Marketing calls or text messages requiring consent will only be made when you have provided the legally required consent. If you separately consent to receive text messages, message frequency may vary, and message and data rates may apply. You may reply STOP to cancel text messages or HELP for assistance.
Consent to receive marketing calls or text messages is not a condition of obtaining a mortgage product or service.
You may contact us directly at (888) 309-9705 without agreeing to receive automated marketing communications.
8. Electronic communications
By using the Website or communicating with us electronically, you consent to receive ordinary communications relating to your inquiry electronically, subject to applicable law.
Formal mortgage disclosures and documents may require a separate electronic-consent agreement. These Terms do not replace any consent or disclosure required during a mortgage application.
9. Age requirement
This Website is intended for adults who are at least 18 years old. We do not knowingly solicit or collect personal information from children.
Mortgage-product age requirements are separate from the minimum age required to use this Website. Reverse-mortgage eligibility ages vary by loan program and state.
10. Permitted use
You may use this Website only for lawful, personal and informational purposes.
You may not:
Provide false, fraudulent or misleading information;
Attempt to gain unauthorized access to the Website or its systems;
Interfere with the operation or security of the Website;
Introduce malicious code, viruses or other harmful material;
Scrape, copy or reproduce Website content for commercial use without permission;
Impersonate another person or misrepresent your identity;
Use the Website to violate applicable law; or
Use our name, trademarks or content in a manner suggesting an unauthorized endorsement or affiliation.
11. Intellectual property
Unless otherwise stated, Website content—including text, graphics, branding, videos, educational materials, designs and other original content—is owned by or licensed to Key Home Lending, LLC.
You may view, download or print Website materials for your personal, noncommercial use. You may not reproduce, modify, distribute, sell, publish or commercially exploit Website content without prior written permission.
Third-party names, logos and trademarks remain the property of their respective owners.
12. Third-party websites and services
The Website may contain links to third-party websites or use services provided by third parties. These may include mortgage lenders, counseling agencies, technology providers, analytics providers, video platforms, scheduling systems or government resources.
We do not control third-party websites and are not responsible for their content, security, accuracy, availability or privacy practices. A link does not necessarily constitute an endorsement.
Your use of third-party websites is governed by their own terms and policies.
13. Website availability and accuracy
We make reasonable efforts to provide accurate and useful information. Mortgage programs, regulations, lending guidelines, interest rates and product availability can change.
We do not guarantee that every Website statement will always be current, complete or error-free. We may change, correct, suspend or remove Website content at any time.
We do not guarantee uninterrupted or error-free access to the Website.
14. Disclaimer of warranties
To the fullest extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.
We make no warranties, express or implied, regarding the Website’s operation, availability, accuracy, fitness for a particular purpose or suitability for your individual financial circumstances.
Nothing in this section limits any warranty, duty or consumer right that cannot legally be excluded.
15. Limitation of liability
To the fullest extent permitted by applicable law, Key Home Lending, LLC and its owners, officers, employees, representatives and service providers will not be liable for indirect, incidental, special, consequential or punitive damages arising from your use of—or inability to use—the Website.
We are not responsible for financial decisions made solely in reliance on general Website information without obtaining individualized loan information and appropriate professional advice.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.
16. Privacy
Our collection and use of personal information are governed by our Privacy Policy, available at:
Please review the Privacy Policy before submitting personal information.
17. Changes to these Terms
We may update these Terms to reflect changes in the Website, our services, applicable law or business practices.
Revised Terms will be posted on this page with an updated effective date. Your continued use of the Website following an update constitutes acceptance of the revised Terms, to the extent permitted by law.
18. Governing law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where another jurisdiction’s laws are required to apply.
Nothing in these Terms limits rights or protections available to consumers under applicable federal or state law.
19. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in effect. The invalid or unenforceable provision will be interpreted or modified only to the extent necessary to make it enforceable where legally permitted.
20. Entire agreement
These Terms and the Privacy Policy constitute the agreement governing your general use of the Website.
They do not replace mortgage disclosures, loan documents, counseling requirements, electronic-consent agreements or other agreements provided during an application or loan transaction.
21. Contact us
Questions concerning these Terms may be directed to:
Key Home Lending, LLC ReverseQuotes.com / Reverse Mortgage Reality 2247 Stotesbury Way Wellington, Florida 33414 Telephone: (888) 309-9705 Email: [email protected] Company NMLS #2103187
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