Terms & Conditions
Effective Date: January 1, 2026
Last Updated: January 1, 2026
Please read these Terms and Conditions ("Terms") carefully before using the Utah Reverse Mortgage Guide website ("Site"), operated by Belmont Digital ("Company," "we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use this Site.
1. Nature of Services
Utah Reverse Mortgage Guide is an informational and lead generation website. We provide educational content about reverse mortgages and connect interested homeowners with licensed reverse mortgage professionals. We are not a lender, bank, or mortgage broker. We do not make loans, process mortgage applications, or provide binding loan commitments.
By submitting your information through our forms, you are requesting to be contacted by a licensed reverse mortgage specialist. Submitting a form does not constitute a loan application, nor does it obligate you to proceed with any loan product.
2. Not an Offer to Lend
Nothing on this Site constitutes an offer to lend, a commitment to lend, or a guarantee of loan approval. All loan applications are subject to credit approval, underwriting, and compliance with applicable federal and state regulations. Not all applicants will qualify for a reverse mortgage. Loan terms, rates, fees, and available products may vary based on individual circumstances.
3. Eligibility and Qualification
Information about reverse mortgage eligibility provided on this Site is general in nature and for educational purposes only. Actual eligibility for a reverse mortgage depends on individual circumstances, including but not limited to age, property type, home equity, financial assessment results, and compliance with HUD guidelines. Only a licensed lender can determine your eligibility after a formal application and review.
4. Accuracy of Information
We strive to provide accurate and up-to-date information on this Site. However, reverse mortgage terms, regulations, lending limits, and requirements may change. We do not guarantee that all information on this Site is current, complete, or error-free. You should verify all information with a licensed reverse mortgage professional before making any financial decisions.
The HECM lending limits, interest rates, fees, and program details referenced on this Site are subject to change without notice based on federal regulation updates and market conditions.
5. HUD Counseling Requirement
Federal regulations require all HECM borrowers to complete a counseling session with a HUD-approved housing counselor before applying for a reverse mortgage. This Site does not provide HUD counseling services. We may provide referrals to HUD-approved counseling agencies, but we are not affiliated with or responsible for the counseling services provided by these agencies.
6. Consent to Contact
By submitting your information through any form on this Site, you expressly consent to be contacted by telephone (including calls and text messages to any wireless number you provide), email, and/or mail by us, our affiliates, and/or our licensed mortgage partners regarding reverse mortgage products and services. You understand that this consent is not a condition of purchasing any goods or services.
You may revoke your consent at any time by contacting us in writing. Standard message and data rates may apply to text messages.
7. User Representations
By using this Site and submitting information, you represent and warrant that you are at least 18 years of age, the information you provide is accurate and truthful, you are authorized to provide the information submitted, and you are a resident of the United States.
8. Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of the Company or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.
9. Third-Party Links
This Site may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we are not responsible or liable for any damage or loss caused by or in connection with the use of any third-party websites.
10. Disclaimer of Warranties
This Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.
11. Limitation of Liability
To the fullest extent permitted by applicable law, in no event shall the Company, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, or other intangible losses, resulting from your use of or inability to use this Site, any conduct or content of any third party, or unauthorized access to or alteration of your transmissions or content.
12. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of this Site, your violation of these Terms, or your violation of any rights of a third party.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Utah.
14. Mortgage-Specific Disclaimers
Borrowers must meet all loan obligations, including living in the property as the primary residence, paying property taxes, maintaining homeowner's insurance, and keeping the home in reasonable condition. Failure to meet these obligations can result in the loan becoming due and payable, and may lead to foreclosure.
Reverse mortgage loan terms include occupancy requirements, charges, and liens. The amount of equity you can access depends on your age, home value, interest rates, and other factors. Interest accrues on the outstanding loan balance over time, which means the amount owed increases and the equity in your home decreases.
This Site is not affiliated with or endorsed by the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA).
15. Changes to These Terms
We reserve the right to modify or replace these Terms at any time. Changes will be effective immediately upon posting to this Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.
16. Contact Information
If you have any questions about these Terms, please contact us through the information provided on our website.