Before proceeding with a federally backed reverse mortgage, homeowners must complete counseling with a HUD-approved counselor. This ensures you fully understand the product, costs, alternatives, and long-term implications for you and your heirs.

Counseling has become an important part of the process, providing clarity and helping borrowers make informed decisions (Vanguard, 2025). This step reduces surprises and ensures seniors understand both the benefits and responsibilities of a reverse mortgage.

Secure Lending Inc. coordinates the counseling step, connecting you with certified professionals and explaining the process so you can move forward with confidence and peace of mind.

References: Vanguard. (2025). Home equity: A powerful tool for retirement security. Retrieved from https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/home-equity-powerful-tool-retirement-security.html