Legal & Licensing Disclosures

Who Operates This Site

HECM.cash is an independent educational and advertising website operated as a service of Billy Robles, NMLS #2751970, a mortgage loan originator Not currently sponsored or providing direct mortgage consulting. This website is a service provided by Billy Robles, NMLS #2751970, for advertising purposes only. It does not constitute an offer for extension of credit or a commitment to lend, and is not affiliated with, endorsed by, or sponsored by any government agency.

Licensing Footprint

Billy Robles is directly licensed to originate mortgage loans in Arizona, California, Nevada, Oregon, and Pennsylvania. Visitors located in any other state who submit a request through this site will be securely referred to a separate, fully licensed loan officer authorized to conduct business in that state. You can independently verify any loan originator's or company's license status at NMLS Consumer Access.

Sponsor Disclosure

FHA & HUD Notice

HECM.cash is a private, independent educational portal. This material is not provided by, nor was it approved by, the Department of Housing & Urban Development (HUD), the Federal Housing Administration (FHA), or any government agency. A Home Equity Conversion Mortgage is an FHA-insured loan. Borrowers must remain current on property taxes, homeowner insurance, and home upkeep obligations to avoid default and potential foreclosure.

Equal Housing Opportunity

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.