IMPORTANT DISCLOSURES - Copley Real Estate Services. Last Updated: March 2026

General Information

Copley Real Estate Services provides information and services related to reverse mortgage products. The information contained on this website and in any materials provided by Copley Real Estate Services is for general informational purposes only and does not constitute financial, legal, or tax advice.

Not A Lender

Copley Real Estate Services is not a lender and does not originate, fund, or service reverse mortgage loans. We connect clients with licensed reverse mortgage lenders and professionals. All loan applications, approvals, terms, and funding are subject to the policies and underwriting guidelines of the applicable lender.

Reverse Mortgage Disclosure

A reverse mortgage is a loan available to homeowners aged 62 or older that allows them to convert a portion of their home equity into loan proceeds. The most common type of reverse mortgage is the Home Equity Conversion Mortgage (HECM), which is insured by the Federal Housing Administration (FHA) and regulated by the U.S. Department of Housing and Urban Development (HUD).

Key facts you should understand before proceeding:

• The loan becomes due and payable when the borrower sells the home, permanently moves out, or passes away.

• Borrowers are still responsible for property taxes, homeowner's insurance, HOA fees (if applicable), and home maintenance. Failure to meet these obligations may result in default and foreclosure.

• Interest accrues over the life of the loan and is added to the loan balance. The loan balance grows over time.

• Obtaining a reverse mortgage may affect eligibility for certain needs-based government programs such as Medicaid or Supplemental Security Income (SSI). Consult a qualified benefits counselor before proceeding.

• Heirs who wish to retain the property after the borrower's death will be required to repay the loan, typically by refinancing or selling the property.

• All prospective HECM borrowers are required by federal law to complete a HUD-approved reverse mortgage counseling session with an independent, third-party counselor prior to completing a loan application.

No Guarantee of Results

Copley Real Estate Services makes no representations or warranties regarding loan approval, interest rates, loan amounts, or any specific outcome. All terms and conditions are determined solely by the lender and are subject to change without notice.

Third-Party Links and Referrals

This website may contain links to third-party websites or references to third-party services. Copley Real Estate Services does not endorse, control, or assume responsibility for the content, privacy practices, or services of any third party. Referrals to lenders, attorneys, financial advisors, or other professionals do not constitute a guarantee of their services or suitability for your specific situation.

Licensing

Copley Real Estate Services operates in compliance with applicable state and federal laws. Licensing information is available upon request. Services may not be available in all states.

Privacy

Any personal information you provide to Copley Real Estate Services is subject to our Privacy Policy. We do not sell your personal information to third parties. Information shared for the purpose of obtaining a reverse mortgage referral may be shared with licensed lending partners solely for that purpose.

Equal Housing Opportunity

Copley Real Estate Services is committed to the principles of the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, or any other protected class.