---
title: "About HECMAcademy — Independent Reverse Mortgage Education"
url: https://hecmacademy.com/about
description: "HECMAcademy is an independent education site for homeowners 62+ exploring reverse mortgages. We're not a lender, we don't sell your data, and we don't take commissions on loans."
lang: en
---

About

# Independent education for a decision that matters.

HECMAcademy is a consumer-education site for homeowners age 62 and up who are trying to understand how reverse mortgages actually work — without being sold anything.

## Why we exist

The reverse mortgage industry has an unusual problem: most of the plain English about HECMs on the internet is written by companies that make money when you close a loan. That's not automatically bad — but it's a strong reason to want a second opinion before you sign anything.

HECMAcademy exists to be that second opinion. We publish detailed, source-cited explainers on how FHA HECMs work, what they cost, how the math actually pencils, when they're a bad fit, and what the alternatives are. Everything on this site is written to help you make a well-informed decision — including the decision _not_ to get a reverse mortgage.

## What we are — and are not

- **We are not a lender or broker.** We don't originate loans, we don't collect applications, and we can't approve or deny you for a HECM.
- **We don't sell your information.** Email addresses and quiz responses submitted on this site are used only to send the educational material you requested and, if you explicitly opt in, to connect you with a HUD-approved counselor or vetted lender partner. Full details are in our privacy policy (https://hecmacademy.com/privacy-policy).
- **We are not paid per lead by lenders.** Our operating model is designed to keep education independent from origination.
- **We are not a financial advisor.** A reverse mortgage is a major financial decision that interacts with taxes, estate planning, and retirement income strategy. We can help you understand the mechanics; a licensed advisor should help you decide.

## Editorial standards

Every article on HECMAcademy is written and reviewed against the same checklist:

- **Sources are named.** HUD Mortgagee Letters, FHA guidance, Census data, and statute citations are linked or named inline — not paraphrased anonymously.
- **Numbers are dated.** HECM lending limits, fee caps, and PLF tables change. We date fact-sensitive figures with the year they apply to and re-audit at least quarterly.
- **Downsides get equal airtime.** Every "pro" article covers the corresponding "con." A reverse mortgage is genuinely wrong for some households; we say so where it applies.
- **No fake testimonials.** If you see a name attached to a quote on this site, that quote is real.

If you find a factual error anywhere on the site, please tell us (https://hecmacademy.com/contact) — we correct fast and publish the update date.

## How we vet lender referrals

If you ask to be connected to a lender through HECMAcademy, we only refer to FHA-approved lenders with a current NMLS registration in good standing, a documented HUD counseling policy, and no unresolved regulatory action in the preceding 24 months. We reassess partners annually and remove any lender that stops meeting these criteria.

## Get in touch

Questions, corrections, press, or partnership inquiries — visit our contact page (https://hecmacademy.com/contact).

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