Editorial Policy
Our promise
Our guides explain how reverse mortgages work, including the costs, responsibilities, and reasons another choice may be better.
Sources
- Department of Housing and Urban Development (HUD) and Federal Housing Administration (FHA) materials for the Home Equity Conversion Mortgage (HECM) program
- Consumer Financial Protection Bureau (CFPB) guidance, complaint data, and enforcement actions
- Official federal and state statutes, regulations, and regulator guidance
- National Reverse Mortgage Lenders Association (NRMLA) industry data where cited
Review process
ClarityKeep publishes these guides and uses artificial intelligence (AI) tools to help with research, drafting, and editing. We check factual statements against the linked sources. AI assistance and automated checks do not replace a qualified professional's advice about your circumstances.
Drafts must be approved before publication. A reviewer is named only after that person completes a review.
Time-sensitive claims have source, effective, review, and expiration records. Expired source approvals block publication until the material is reviewed again.
What we will not publish
- "Free money" or "you cannot lose your home" claims
- Fear-based urgency or fake scarcity
- Uncited statistics presented as fact
- Content designed to pressure seniors into applying
Corrections
See our corrections policy. Material factual corrections update both the page and the evidence record that supports it.