Required Step
HUD Counseling Directory
Before closing a HECM reverse mortgage, you must complete a counseling session with a HUD-approved agency. Use our directory to find a counselor near you.
Why is counseling required?
The Federal Housing Administration (FHA) requires all HECM borrowers to receive independent counseling from a HUD-approved agency before loan closing. This ensures you understand the terms, costs, and alternatives. Sessions typically cost $125 and can be done by phone or in person. The counseling certificate is valid for 180 days.
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