Unbiased Advice from HUD-Approved Counselors
Counseling is an important and required part of the reverse mortgage application process; It helps you determine if a reverse mortgage loan is the best decision for you.
Your reverse mortgage counselor is key in helping you understand:
- Income, expenses and best disbursement options for your financial situation
- Interest rates and how they’re calculated
- Reverse mortgage loan terms that may be used by the lender or in informational literature
Refer to our list of HUD-approved counseling agencies below to find out if a reverse mortgage loan makes sense for you.

HUD-Approved Counseling Agencies
67 Hunt St
Agawam, MA 01011
888-764-7460
Agency ID: 81323
Credit.org
4531 Latham Street
Riverside, CA 92501
844-218-8136
Agency Id: 84701
Consumer Credit and Budget Counseling
d/b/a National Foundation for Debt Management
140104 58th St N
Clearwater, FL 33760
888-738-8233
Agency Id: 81555
Consolidated Credit Solutions
Susan Hardcastle
5701 W Sunrise Blvd
Ft. Lauderdale, FL 33313
800-435-2261
Agency Id: 84804
Project Sentinel
554 Valley Way
Milpitas, CA 95035
408-907-4652
Horizon Counseling
102 N Bartow St,
Cartersville, GA 30120
888-315-4326
Greenpath Financial Wellness
2815 Camino del Rio S, Ste 116
San Diego, CA 92108
888-860-4167
Money Management
14141 Southwest Fwy, Ste 1000
Sugar Land, TX 77478
866.889.9347
Smart Money Housing
3510 W Franklin Blvd
Chicago, IL 60624
773-533-0243
