Legal & Licensing Disclosures
Last updated: August 02, 2026
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 sponsored by E Mortgage Capital, Inc. (NMLS #1416824). 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 (E Mortgage Capital, Inc.)
© 2026 E Mortgage Capital, Inc. DBA E Mortgage Capital | NMLS #1416824 | Licensing & consumer access: www.nmlsconsumeraccess.org | 3750 S Susan St., Santa Ana, CA 92704 | (855) 569-3700. Equal Housing Lender. Not affiliated with any government agency. For advertising purposes only. This is not a commitment to lend. All loans are subject to underwriting approval. Terms, rates, programs, availability, and qualifications may change without notice and may not be available in all states. Restrictions apply. By refinancing, total finance charges over the life of the loan may be higher. Debt consolidation may increase total financing costs. Mortgage calculators and payment estimators are for illustrative purposes only and are not financial advice. Consult a qualified financial professional. E Mortgage Capital is not responsible for calculation accuracy. Equal Opportunity Employer. All Rights Reserved.
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.