Disclaimer

Required Disclosure: These materials are not from HUD or FHA and were not approved by HUD or a government agency. A reverse mortgage is a loan. As with any mortgage, you must meet your loan obligations: keeping current with property taxes, homeowners insurance, and (where applicable) HOA dues, and maintaining the home. Failure to meet these obligations may cause the loan to become due and payable. Consult a financial advisor and appropriate government agencies for any effect on taxes or government benefits.

General Information

The information provided on this website is for general informational and educational purposes only. While Citizens Lending Group, Inc. strives to keep the information accurate and current, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or its content. Any reliance you place on such information is strictly at your own risk.

Not Financial, Legal, or Tax Advice

Content on this website does not constitute financial, legal, tax, or investment advice, and does not create a lender-borrower or advisory relationship. Reverse mortgages have important financial implications, including effects on your home equity, your estate, and potentially your eligibility for certain government benefits. You should consult a qualified financial advisor, tax professional, attorney, and a HUD-approved housing counselor before deciding whether a reverse mortgage is right for you.

Not a Loan Commitment

Nothing on this website is an offer to lend, a loan commitment, or a guarantee of eligibility, interest rates, fees, or loan terms. All loans are subject to application, counseling (where required), underwriting, and property and credit approval. Rates, fees, and program terms are subject to change and are provided through official disclosures during the application process.

Calculator & Estimates

Any estimates generated by tools on this website, including the reverse mortgage calculator, are illustrations only, based on the information you enter and general assumptions. They are not offers or guarantees, and your actual figures may differ. Rely only on the official figures provided in your loan disclosures.

Eligibility

Reverse mortgage (including HECM) products generally require that borrowers meet minimum age requirements (typically 62 or older), occupy the home as their primary residence, and meet other program and financial-assessment requirements. Eligibility is determined during the application process.

Privacy and Reference to the Privacy Statement

Your use of this website is also governed by our Privacy Policy, which is incorporated into this Disclaimer by reference; loan-application information is governed by our GLBA Privacy Notice. By using this website, you consent to the data practices described there.

Not Liable When Security Is Breached

We take reasonable precautions to protect information submitted through this website. However, no method of transmission over the internet or electronic storage is fully secure, and we cannot guarantee the absolute security of any information transmitted to or from this site. To the extent permitted by law, Citizens Lending Group is not liable for any harm resulting from unauthorized access to or interception of data despite reasonable safeguards.

Not Liable for Third-Party Content

This website may contain links to, or embedded content from, third-party websites and services, including an embedded Google Map, a lead/form platform, a calculator, government resources, and social media platforms. These third parties are governed by their own terms and privacy policies. Citizens Lending Group is not responsible for the content, accuracy, privacy practices, or availability of any third-party website or service accessed through this site.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Citizens Lending Group, Inc. and is protected under applicable copyright and intellectual property laws. All rights reserved. No part of this website may be reproduced, distributed, or transmitted in any form without our prior written permission.

Licensing & Equal Housing

Loans made or arranged pursuant to California Real Estate Corporation License Endorsement #01814249 (California Department of Real Estate). NMLS #1109984. Jeff Krolosky, NMLS #483675. Citizens Lending Group is an Equal Housing Lender and a member of the National Reverse Mortgage Lenders Association (NRMLA).

Changes to This Disclaimer

We reserve the right to update or modify this Disclaimer at any time. Changes will be posted on this page with an updated effective date. Your continued use of the website following any changes constitutes acceptance of the revised Disclaimer.