HUD-Certified
Default Prevention
Nonprofit
Credit.org is a nonprofit HUD-certified housing counseling agency and NFCC member.
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
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100% Free
No Obligation
No Pressure
Do not wait. The sooner you reach out, the more options are available to protect your home. Our counselors are ready to help — no judgment, just solutions.
Speak with a certified housing counselor.
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
Estimated Monthly Payment Option
Interest Rate Range
Speak with a certified housing counselor to review your situation, questions, and next steps.
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A reverse mortgage default occurs when you fail to meet loan obligations such as paying property taxes, keeping homeowners insurance current, or maintaining the home. Unlike traditional mortgages, you cannot be foreclosed for missing monthly payments because none are required — but failing other obligations can trigger default.
Immediately. The sooner you contact a HUD-certified counselor, the more options are available. Waiting can limit your choices and make resolution more difficult. Our counselors can help you understand the notice and what steps to take right away.
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Yes. Many homeowners successfully avoid foreclosure through early intervention and expert guidance. Your counselor will help you explore repayment plans, loss mitigation options, loan modifications, and other paths to resolve the default and protect your home.
Bring your reverse mortgage statement, any default or delinquency notices from your lender, property tax bills, homeowners insurance documentation, and recent income or financial records. Your counselor will guide you on exactly what is needed.
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Absolutely. Credit.org is an independent nonprofit organization. Your counseling session is private and confidential. We have no lender affiliation and no sales pressure — our only goal is to help you find the best path forward.
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Our default prevention counseling is provided at no cost through our nonprofit mission. In cases where individuals are unable to afford our services, managers have the liberty to reduce or waive associated fees. We are here to help, not to add financial burden.
Private & confidential
Educational guidance
HUD-approved agency
No lender sales pressure
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