Are you 62 or older and considering a reverse mortgage to enhance your retirement?
With a reverse mortgage, you can tap into your home’s equity to supplement your retirement income, eliminate debt, or pay your monthly mortgage payments. Through HUD-approved counseling, gain clear understanding of what a reverse mortgage is, how a reverse mortgage works, and whether it aligns with your financial needs.
To qualify, you must be 62 or older, own your home, and have equity. In your session, you'll explore if a reverse mortgage fits your future with clear, unbiased answers and support.
During the Decision Process
Understand the specifics of each reverse mortgage type, from Single-Purpose to HECM. Gain clarity about reverse mortgage rates and how different terms may impact your equity and financial well-being during the process.
After Choosing a Reverse Mortgage
Once enrolled, you’ll gain tools to manage your loan effectively, protect your home’s value, and maintain long-term financial security with guidance you can trust.
Explore Reverse Mortgage Types and Choose What’s Right for You
Explore Reverse Mortgage, Choose the Right Option
Learn how a reverse mortgage works and explore the benefits it can provide, such as accessing funds while continuing to live in your home. This counseling is designed to explain the pros and cons of a reverse mortgage to help you decide if it’s the right fit for your financial goals.
Understand Your Options, Secure Your Retirement
Reverse mortgages come in various forms, each suited to different needs. Find out what the 3 types of reverse mortgages are and how they differ. With clear, unbiased information on reverse mortgage rates and terms, you’ll be able to make confident choices about the best option for your situation.
Build Financial Skills, Live a Debt-Free Future
Our debt management plans include educational tools to help you create strong financial habits. From budgeting techniques to tips on managing expenses, you’ll be empowered to maintain financial stability long after your debt is paid off.
Understand What a Reverse Mortgage Is and How It Works
Learn about the basics of a reverse mortgage, including how it allows you to convert home equity into income. This counseling session explains the fundamentals, so you have a clear answer to “what is a reverse mortgage” and “how does a reverse mortgage work.”
Step 2:
Choose the Right Type of Reverse Mortgage
Discover the different types of reverse mortgages, Single-Purpose, Home Equity Conversion Mortgage (HECM), and Proprietary Reverse Mortgage. This step clarifies the unique aspects of each type, helping you decide which might be the best fit.
Step 3:
Evaluate Reverse Mortgage Rates and Financial Impact
Gain an understanding of reverse mortgage rates and how they may affect your finances over time. This information includes details on costs, interest rates, and the pros and cons, ensuring you’re well-prepared for your choice.
Step 4:
Make an Informed Decision for Long-Term Security
Use the insights gained to assess whether a reverse mortgage aligns with your retirement goals. Counseling will cover both reverse mortgage pros and cons, so you can make a choice that supports long-term stability and financial peace of mind.
Explore Your Reverse Mortgage Options. Contact Us Today
See How Reverse Mortgage Counseling Has Helped Others
Reverse Mortgage Tools Made to Help You
Our calculators, guides, and resources help you understand reverse mortgages, plan smarter, reduce debt, and protect your equity—so you can make confident financial decisions.
What Are the Eligibility Requirements for a Reverse Mortgage?
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To qualify, you must be 62+, own your home, and live in it as your primary residence. A counselor can confirm your eligibility and walk you through next steps.
Why Speak with a Counselor from a HUD-Approved Agency?
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A HUD-certified counselor ensures you fully understand the risks, costs, and benefits of a reverse mortgage, so you can make a confident, informed decision.
How Can I Know If a Reverse Mortgage Is Right for Me?
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Our HUD-approved counselors will help you assess your finances, explain pros and cons, and guide you through the decision based on your goals and needs.
Will I Still Have an Estate to Leave to My Heirs?
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Yes, any remaining home equity after repaying the reverse mortgage loan and interest goes to your estate or heirs when the home is sold or vacated.
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