HUD Counseling

HUD certifies and approves reverse mortgage counselors around the country to provide homeowners with impartial education about reverse mortgage loans. Reverse mortgage counseling is a mandatory requirement of the application process and is typically completed before an application for a reverse mortgage loan is taken. Reverse mortgage counseling can be performed face-to-face or by telephone with an approved HUD counselor.

Your Lender will need to provide (3) Documents

  1. Reverse Mortgage Comparison/Summary
  2. Amortization Schedule
  3. Total Annual Loan Cost

The Federal Housing Administration Required (2) Additional Documents


After the counseling session, the counselor will mail a signed copy of the HECM loan Certificate to the homeowner. This certificate is presented to the lender with the reverse mortgage application. The loan application process cannot begin until counseling is completed and a fully executed counseling certificate is provided to the lender. The cost of counseling varies. Lenders are not permitted to pay this fee for applicants. Homeowners can contact the counseling agency to request a “hardship” approval to pay a reduced fee.

National Reverse Mortgage Counselors


Phone Number

National Foundation for Credit Counseling (NFCC) (866) 698-6322
Money Management International (MMI) (877) 908-2227
ClearPoint Financial Solutions (877) 877-1995
Consumer Credit Counseling Svc of Atlanta (866) 616-3716
National Council on Aging (NCOA) (800) 510-0301
Springboard (866) 698-6322
HomeFree (301) 891-8423
Greenpath (888) 860-4167
Neighborhood Reinvestment Corporation (888) 990-4326