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HECM and Reverse Mortgage Counseling

Approved by the U.S. Department of Housing and Urban Development (HUD) to provide home equity conversion mortgage (HECM) counseling, National Foundation for Debt Management (NFDM) counselors help seniors arrive at their most informed decision when considering their reverse home mortgage options.

NFDM provides seniors with information on: loan amounts, payment options, home ownership requirements, advantages as well as disadvantages, and reverse mortgage program benefits. In addition, we provide information about other programs and alternatives to obtaining a reverse mortgage. 

NFDM boasts exam qualified HUD/ HECM National Counseling Network counselors, fully trained in phone etiquette and in senior sensitivity, and a HECM exam pass rate that exceeds the national average by 20%. During 2014, NFDM counselors performed more than 20,000 sessions. Of these, more than 400 were performed free of charge to seniors who proved otherwise unable to afford it. In these cases, the free session empowered clients that were facing bankruptcy, foreclosure and Hospice care to remain in their homes.

All reverse mortgage counseling sessions follow strict HUD protocol. Our purpose, as a HUD approved reverse mortgage counseling agency, is to make sure homeowners have all the information required to make an informed decision regarding a reverse mortgage.

Complete our contact request form, to have an NFDM counselor assist with your situation (form will open in a new window).