Reverse mortgage counseling is required as part of the application process.  Independent HUD approved counselors provide homeowners with unbiased information about reverse mortgage loans.

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

The cost for counseling is typically about $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