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Housing Counseling FAQ

Will a Home Equity Conversion Mortgage (HECM) counselor be permitted to provide reverse mortgage counseling as of August 1, 2020, the Final Compliance Date, if the counselor failed to pass the HUD certified housing counselor examination but remains in good standing on the HECM Counselor Roster? 

Date Published: June 2017

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No. A counselor will not be permitted to provide any type of housing counseling, including HECM counseling, for the agency participating in HUD’s Housing Counseling program if the individual has failed to pass the examination by the Final Compliance Date. An individual who has not passed the certification examination may continue to work for an agency approved to participate in HUD’s Housing Counseling program in another capacity and assist HUD certified housing counselors. These individuals cannot provide housing counseling or oversee group education sessions.

Tags: Housing Counseling Program Requirements on Other Specific HUD Programs - Home Equity Conversion Mortgages