Reverse Mortgage Counseling
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Reverse Mortgage Counseling


If you or someone you know is considering a reverse mortgage, you must get counseling from a government-approved agency.

Our Reverse Mortgage Counseling Services Network is one of nine national counseling groups approved by the U.S. Department of Housing & Urban Development (HUD).

A reverse mortgage allows homeowners aged 62+ to convert a portion of their home equity into cash while they continue to live at home for as long as they want.

Our counselors are HUD-approved aging services professionals who can help you:

  • Evaluate the pros and cons of a reverse mortgage for your situation.
  • Apply for public and private benefits that can help you pay for needs like home energy, meals, and medications.
  • Find services in your community that can help you stay independent longer.

There is a $90 upfront fee for this service. Depending on available funding, we will:

  • Waive the $90 counseling fee for a limited number of older adults who are facing financial hardships such as foreclosure or bankruptcy, who are using respite care, or whose monthly income is less than $1,000.
  • Allow a limited number of older adults to pay at closing if their monthly income is less than 200% of the federal poverty level ($1,961 for single homeowners and $2,655 for couples).

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