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HECM Counselor and Lender Resources

For Counselors:

HECM Counseling Certificates 
After the counseling session, you are required to provide a signed copy of the HECM Counseling Certificate to the homeowner. This certificate is presented to the lender with the reverse mortgage application. The loan application begins once a completed and a fully executed counseling certificate is provided to the lender. Avoid delays by downloading frequently asked questions about the HECM Counseling Certificate.

Tax Insurance and Default Counseling
Are you getting calls from HECM borrowers who have been notified that they may be facing foreclosure due to non-payment of property taxes or other property charges? HUD has enlisted the help of five national counseling intermediaries to provide these seniors with counseling and support.  Please refer those callers directly to any one of the resources listed.

HECM Property Charge Loss Mitigation Counselors:

(888) 860-4167
Housing Options Provided
for the Elderly (HOPE)     
(844) 432-6467

Money Management International
(877) 908-2227

National Foundation for Credit

(866) 698-6322

NeighborWorks America  (888) 990-4326  

Additional resources:

For Lenders:

HUD’s Home Equity Conversion Mortgages for Lenders
National Reverse Mortgage Lender’s Association