Terms of Use
Last updated: July 2, 2026
By using HECMAcademy ("the Site"), you agree to these Terms of Use. If you do not agree, please do not use the Site.
Educational resource, not a lender
HECMAcademy is an independent consumer education platform. We are not a mortgage lender, broker, correspondent, servicer, or financial advisor. We do not originate loans, make loan offers, take applications, quote rates, or guarantee any loan amount or approval. Nothing on the Site is a commitment to lend.
Informational purposes only
All articles, guides, calculators, examples, and other content on the Site are provided for general informational and educational purposes. They are not legal, tax, financial, or mortgage-lending advice. Reverse mortgages are significant financial decisions with long-term consequences.
Before making any decision, you should:
- Complete a session with an independent HUD-approved reverse mortgage counselor
- Speak with a licensed FHA-approved reverse mortgage lender for personalized figures
- Consult a tax professional, attorney, or financial advisor about your specific situation
No warranty on figures or output
Calculator results, principal-limit estimates, interest rate examples, fee ranges, and any other numbers on the Site are illustrative only. They are based on published HUD limits and simplified assumptions, and they do not reflect any specific lender's pricing, your qualified rate, third-party closing costs, or the terms you would receive on an actual loan. Always verify figures with a licensed reverse mortgage lender before relying on them.
The Site is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. To the fullest extent permitted by law, HECMAcademy is not liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site or reliance on its content.
Third-party links
The Site links to third-party resources (HUD, FTC, counseling agencies, other educational sources) for your convenience. We do not control and are not responsible for the content, accuracy, or availability of those sites.
Acceptable use
You agree not to misuse the Site — for example, by scraping at abusive rates, submitting false information through our forms, attempting to interfere with the Site's operation, or using the Site for unlawful purposes.
Governing law
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the Site will be resolved in the state or federal courts located in the Commonwealth of Virginia.
Changes to these terms
We may update these Terms from time to time. Continued use of the Site after changes are posted means you accept the revised Terms.
Contact us
Questions about these Terms: info@hecmacademy.com.