HUD licenses counselors to give homeowners unbiased education about reverse mortgages. Reverse mortgage counseling is required as part of the reverse mortgage application process.

Reverse mortgage counseling can be completed over the phone or face-to-face with a local agency. Afterward, the counselor will mail a HECM Counseling Certificate to the homeowner for inclusion with the reverse mortgage application.

The maximum cost for counseling is $125 but the fee may be waived in some cases.

Reverse mortgage counselors

Counselor	Phone
National Foundation for Credit Counseling (NFCC)	1-866-698-6322
Consumer Credit Counseling Service of Atlanta (CCCS)	1-800-251-2227
AARP – available to members only	1-800-209-8085
National Council on Aging (NCOA)	1-800-510-0301