How does a HUD-approved housing counseling agency become approved to provide reverse mortgage counseling?

HUD approves Housing Counseling agencies to participate in its programs. Detailed agency approval information and additional requirements of the housing counseling program are provided in the Housing Counseling Program Handbook 7610.1.

Home Equity Conversion Mortgage (HECM) counseling may only be provided by counselors who are employed by a HUD-approved counseling agency, meet eligibility and education requirements, pass an exam, and are listed on the HECM Counselor Roster.  Effective August 1, 2020, all individuals providing housing counseling required under or provided in connection with HUD programs must also be certified by taking and passing the HUD Certified Housing Counselor Examination.

For more information about the HECM Counselor Roster see Mortgagee Letter 09-47 or go to HUD's Office of Housing Counseling HECM Counseling Resources web page at
HUD Exchange Housing Counseling: New Certification Requirements Final Rule:

Handbook 7610.1 is available at:

Mortgagee Letter 09-47 is available at:

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-03736