FHA Reverse Mortgage Counseling

Make Informed Decisions

Home Equity Conversion Mortgage (HECM)

The Home Equity Conversion Mortgage (HECM) is FHA’s reverse mortgage counseling program which enables you to withdraw some of the equity in your home. You choose how you want to withdraw your funds, whether in a fixed monthly amount or a line of credit or a combination of both.

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• Be 62 years of age or older

• Own the property outright or have a small mortgage balance

• No income or employment qualifications are required

• Occupy the property as your principal residence

• Phone, Skype, or in-person appointments available