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Disclosures

Licensing & Disclosures

WalterRichards.com is an educational and marketing website. It is not a lender and does not originate loans.

Pending compliance review: every license number and every sentence of disclosure wording on this page is editable placeholder text and must be reviewed and approved by compliance, and verified against NMLS Consumer Access, before the site goes live.

Who does what

  • WalterRichards.com — an education and marketing brand. It is not a lender, does not originate loans, and does not make credit decisions.
  • Walter D. Richards — an individually licensed mortgage loan originator. Walter is licensed in specific states only and is not licensed in all 50 states.
  • The licensed mortgage company — the entity through which a transaction is actually originated, which depends on the state where the property is located.

States Currently Served

Education on this site is available to everyone. Mortgage services are currently available in the highlighted states.

Walter D. Richards

  • NMLS ID #1529254
  • State individual licenses and authorizations — pending compliance review. Walter is licensed only in the states in which he holds an active license or authorization.

Mortgage company licensing

California

California mortgage transactions are originated through My Reverse Options, Inc..

  • Company NMLS ID — pending compliance review
  • California DRE / DFPI license numbers — pending compliance review

Outside California

Applicable mortgage transactions outside California are originated through i3 Lending, Inc., in states where the company and Walter are licensed.

  • Company NMLS ID — pending compliance review
  • State licenses and authorizations as applicable — pending compliance review

Nothing on this website should be read to state that a single company originates every transaction, or that services are available in every state.

General disclosures

Nothing on this website is a loan offer, commitment to lend, approval or determination of eligibility. Calculators, quizzes and preliminary outlooks provide educational estimates only. Actual results depend on age, property value, interest rates, loan program, property eligibility, financial assessment and underwriting requirements. Reverse mortgage borrowers remain responsible for property taxes, homeowners insurance, HOA dues where applicable, and maintaining the property. Equal Housing Opportunity.