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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.

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
  • 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 #1928866
  • California DRE / DFPI license #1529256

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 #1020884
  • State licenses and authorizations as applicable

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.