Terms of Use

Last updated: July 6, 2026

Educational purpose

ClarityKeep provides general educational information about reverse mortgages. It is not financial, legal, or tax advice. This site does not originate loans or accept applications. Consult a licensed mortgage professional, HUD-approved counselor, and your advisors before making decisions.

No professional relationship

Using this site does not create a client, advisory, or borrower-lender relationship. For personalized guidance, consult a licensed mortgage professional, HUD-approved counselor, attorney, and tax advisor.

Accuracy

We strive for accuracy but program rules change. Verify HECM limits, rates, and eligibility with official HUD materials and licensed professionals before acting.

Tools

Calculators provide rough estimates for education only. They are not loan offers, Good Faith Estimates, or binding quotes.

External links

Links to third-party sites (HUD, CFPB, NMLS Consumer Access) are for reference. We are not responsible for their content.

Limitation of liability

To the fullest extent permitted by law, ClarityKeep is not liable for decisions you make based on site content.