Upfront Education
Every Reverse Mortgage candidate is required to get counseling as a condition of the reverse mortgage application process.  It is the first step in getting a reverse mortgage.  The counselors are licensed by HUD and give homeowners unbiased education about reverse mortgages.

Counseling can be completed over the phone or face-to-face with a local agency. If the candidate passes the counseling they will receive a HECM Counseling Certificate to be included in the reverse mortgage application.

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