Site disclosures

Who runs this site

This site is an educational resource published for Kelly Kelly, Retirement Mortgage Specialist / SVP Reverse Lending, NMLS #1242327 (NMLS Consumer Access), with Fairway Home Mortgage. Fairway Home Mortgage is a trade name of Fairway Independent Mortgage Corporation, NMLS #2289 (NMLS Consumer Access), 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800.

Reverse mortgage disclosures

Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. The youngest borrower must be at least 62 years old. Monthly reverse mortgage advances may affect eligibility for some other programs.

The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance, and maintaining the home. If the homeowner does not meet these loan obligations, then the loan will need to be repaid. Interest and mortgage insurance accrue on the outstanding loan balance.

Illustrations, not offers

Every dollar figure on this site — including the hero conversation and the Cash vs. HECM comparison tool — is a rounded educational illustration, not an offer, quote, rate, or commitment to lend. Actual HECM for Purchase figures are determined by HUD principal limit factors, the youngest borrower's exact age, current expected interest rates, the home's value or the HECM maximum claim amount, and closing costs. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Not tax, investment, legal, or benefits advice

This material is intended for educational purposes only; it is not tax, financial, investment, legal, or benefits advice. Consult a qualified tax professional, financial advisor, attorney, or benefits counselor regarding your individual situation. All figures shown are illustrative samples, not offers or quotes. References to Social Security, Medicare, IRMAA, Medicaid, SSI, FDIC insurance, capital gains, or portfolio strategy are general educational statements — how any of them apply to you depends on your individual facts and current law.

Privacy by design

This site collects no personal information. There are no forms, no analytics, no cookies, and no trackers. When you contact Kelly, you do so directly by phone, text, or email, and any application takes place within Fairway's secure corporate systems.

Licensing

Kelly Kelly is licensed as a mortgage loan originator in the following states, representing Fairway Independent Mortgage Corporation (NMLS #2289):

• South Dakota — License #1242327.MLO
• Minnesota — License #MN-MLO-1242327
• North Dakota — License #NDMLO1242327
• Iowa — License #48703
• Wisconsin — License #1272327
• Arizona — License #LO-2013737

Verify current licensure any time at NMLS Consumer Access. For complete corporate licensing information, visit Fairway's licenses & disclosures page.

Equal Housing Opportunity.