The HECM Default Counseling page provides information for agencies seeking to provide HECM default counseling, including housing counseling work plan guidance, training opportunities, and a list of …

Sep 1, 2025 · We provide a list of approved counseling agencies to help you get started. HUD identifies five national agencies that serve borrowers everywhere, and some areas also have local in-person …

Lenders must provide every client with a list of HUD-approved counseling agencies that can provide HECM counseling, five of which must be in the client’s local area and/or state, and at least one …

The U.S. Department of Housing and Urban Development (HUD) certifies and approves reverse mortgage counselors nationwide to provide homeowners with impartial education about reverse …

Nov 25, 2025 · Reverse mortgage counseling explains HECM costs, risks, and benefits. Learn what to expect in your session and why HUD requires it.

To go to the HUD.gov website and see their complete list of approved counselors, click here. Counseling sessions can be either face-to-face or on the telephone.

Your complete guide to the mandatory HUD reverse mortgage counseling. Learn what to prepare, what must be discussed, and how to get certified.

Feb 27, 2025 · Older homeowners who wish to tap their home equity and get a reverse mortgage must receive reverse mortgage counseling from a HUD-approved agency.

Reverse mortgage counseling can be performed face-to-face or by telephone with a HUD approved counselor. After the counseling session, the counselor will mail a signed copy of the HECM loan …

Chapter 1. Introduction to Reverse Mortgage Counseling Overview ............................................................................................................................ 1-1