Written by Jessica Guerin, as originally published in The Reverse Review.

In this issue of TRR, we take a look at HECM counseling. An integral (and mandatory) part of the reverse mortgage loan process, counseling helps seniors considering the loan by requiring them to talk through their options with a HUD-certified professional.

As nonprofit entities, housing counseling agencies are tasked with the enormous challenge of providing potential borrowers

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with quality information on the ever-changing HECM loan program while relying mostly on federal grants to support their operations.

While funding concerns are an ongoing burden that may not be relieved anytime soon, the counselors we spoke to for this article agreed that professionals in other sectors of the reverse mortgage space could help alleviate some of the other challenges they face by learning more about the work they do.

Mainly, they say HECM originators should properly prepare prospective borrowers for their session and stress to them the value of counseling. Clients who approach counseling armed with the necessary paperwork, a positive attitude and an open mind are far more likely to extract the most benefit. When this is the case, the borrower—and the lender—can feel confident that the senior has made the right choice for a better financial future.