Acceptance of Terms

By accessing or using the website reversemortgagecali.com and any services offered by Reverse Mortgage California, a DBA of O1ne Mortgage Inc. (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms and Conditions. If you do not agree, please discontinue use of our website and services immediately.

About Our Services

Reverse Mortgage California is a licensed mortgage company providing reverse mortgage services exclusively to eligible senior homeowners in the state of California. Our services include but are not limited to:

• Home Equity Conversion Mortgage (HECM) programs
• Reverse mortgage consultations and pre-qualifications
• Loan origination and processing for eligible borrowers
• Educational resources regarding reverse mortgage options

Eligibility

To be eligible for a reverse mortgage through our company, applicants must meet the following general requirements:

• Be 62 years of age or older
• Own the property as a primary residence
• Have sufficient equity in the home
• Meet financial assessment requirements as established by HUD guidelines
• Complete a HUD-approved reverse mortgage counseling session

These requirements are subject to change and may vary based on loan program type. Final eligibility is determined upon full application review.

Not Financial or Legal Advice

All content on this website, including blog posts, articles, calculators, and informational pages, is provided for general informational purposes only. Nothing on this website constitutes financial, legal, or tax advice. We strongly encourage all prospective borrowers to:

• Consult with a HUD-approved housing counselor prior to applying
• Seek independent legal and financial counsel
• Review all loan disclosures carefully before signing any documents

Privacy & Communication Consent

By submitting your information through any form on this website, you consent to being contacted by Reverse Mortgage California via phone, email, or SMS text message regarding your inquiry. Standard message and data rates may apply.

To opt out of SMS communications at any time, reply STOP to any text message received from us. To opt out of email communications, click the unsubscribe link included in our emails or contact us directly.

We do not sell, rent, or share your personal information with third parties for marketing purposes. Please review our Privacy Policy for full details on how we collect, store, and use your information.

Licensing & Regulatory Compliance

Reverse Mortgage California is a DBA of O1ne Mortgage Inc., a licensed mortgage company operating in the state of California in compliance with applicable state and federal laws, including:

• California Department of Financial Protection and Innovation (DFPI)
• Federal Housing Administration (FHA) guidelines
• HUD HECM program requirements
• The Truth in Lending Act (TILA) and RESPA requirements

All loan officers are licensed under the Nationwide Multistate Licensing System (NMLS). License numbers are available upon request and displayed on all loan documents.

Website Use & Intellectual Property

All content on this website including text, graphics, logos, images, and software is the property of Reverse Mortgage California / O1ne Mortgage Inc. and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or use any content from this site without prior written permission.

Unauthorized use of this website or its content may give rise to a claim for damages and/or be a criminal offense.

Limitation of Liability

To the fullest extent permitted by law, Reverse Mortgage California and O1ne Mortgage Inc. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or reliance on any information provided herein. We make no warranties, express or implied, regarding the accuracy or completeness of any content on this site.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any external sites you visit.

Changes to These Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting to this page. Your continued use of the website following any changes constitutes your acceptance of the revised terms. We recommend reviewing this page periodically.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in San Bernardino County, California.