HUD-Approved Counseling
Nonprofit
Since 1974
Credit.org is a nonprofit, HUD-certified housing counseling agency and a member of the National Foundation for Credit Counseling (NFCC). We have provided trusted reverse mortgage counseling for more than 50 years.
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
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No Obligation
No Pressure
Speak directly with a certified housing counselor
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
Estimated Monthly Payment Option
Interest Rate Range
Speak with a certified housing counselor to review your situation, questions, and next steps.
To qualify, you must be 62 or older, own your home, and live in it as your primary residence. Reverse mortgage counseling with a HUD-certified counselor will confirm your eligibility and walk you through next steps.
A HUD-certified counselor ensures you fully understand the risks, costs, and benefits so you can make a confident, informed decision. HUD requires this counseling before any HECM loan can close, and proper counseling protects you from costly mistakes.
Our HUD-approved counselors will help you assess your finances, explain the pros and cons, and guide you through the decision based on your goals and needs. We cover alternatives like downsizing, home equity loans, or debt management programs so you can compare all your options.
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. Counseling can also help you plan ahead so your loved ones know what to expect.
A typical HECM counseling session lasts about 60 to 90 minutes. We take the time needed to ensure you fully understand every aspect of the reverse mortgage, explore alternatives, and answer all your questions thoroughly.
Bring your current mortgage statement, property tax information, and a list of any questions you have. Our counselors will guide you through everything else — no financial expertise needed.
Private & confidential
Educational guidance
HUD-approved agency
No lender sales pressure
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