HUD Counseling

Reverse mortgage counseling is mandatory and required!

Seniors receive their HECM Counseling by an approved HUD counselor.

Reverse mortgage counseling can be performed face-to-face or by telephone with an approved regional agency.

During the counseling session the senior learns how a HECM works, how much equity he or she would receive through a HECM, how much the transaction would cost, what are the financial alternatives to a HECM and what are the tax and estate risks.

After the counseling session, the counselor will mail a signed copy of the HECM loan Certificate to the homeowner. This certificate is presented to the lender with the reverse mortgage application.

The loan application process cannot begin until counseling is completed and a fully executed counseling certificate is provided to the lender.

The cost of the counseling varies. Lenders are not permitted to pay this fee for applicants. Homeowners can contact the counseling agency to request a “hardship” approval to pay a reduced fee.


National Reverse Mortgage Counselors


Phone Number

National Foundation for Credit Counseling (NFCC)


Money Management International (MMI)




National Council on Aging (NCOA)


Lend America Financial is commited to provide Miami reverse mortgage candidates with outstandung quality service to make this process simple as possible.  

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