Skip to Main Content

Making ends meet can be a real challenge for you as a senior citizen. If you are a homeowner who has reached age 62 or older, the Home Equity Conversion Mortgage (HECM) - FHA's Reverse Mortgage - may allow the use of your home's equity as a source of income without adding to your monthly debt. In fact, you can use your HECM loan for anything you choose without having to repay your mortgage until the house is sold. Lenders determine whether you qualify for a HECM. The Federal Housing Administration (FHA) requires that you attend a counseling session before you apply for a HECM loan. RethinkingDebt provides the consumer credit counseling required by the FHA, and we will make sure that you understand all of the reverse mortgage pros and cons.

Reverse mortgage counseling sessions give you all the information you need.

  • How a reverse mortgage works
  • An analysis of your financial situation
  • Payment options and costs associated with a Reverse Mortgage
  • Other resources you might find useful in meeting your financial needs
  • A review of all of your options so you can make an informed decision

Certificate of participation

When you complete the reverse mortgage counseling session, we will issue you a certificate of participation that is required by your lender for the HECM loan application. Counseling sessions can take place over the phone, or by meeting with one of our certified counselors.

We are here to help.
Contact us today to get started.

Chat With us

During business hours, use our chat button in lower right corner to chat with one of our representatives.

See bottom right


Call Our Office

Often times a phone call can answer all your questions at the same time. We are always happy to talk to you.

Call (888) 724-2227

Leave a Message

Whether you have a question or you want us to call you, use the Contact Form and we will respond promptly.

Contact Us Form