Enjoy Your Retirement
with a Reverse Mortgage

Are you 62 or older and considering a
reverse mortgage to enhance your retirement?

With a reverse mortgage, you can tap into your home’s equity to supplement your retirement income, eliminate debt, or pay your monthly mortgage payments. Through HUD-approved counseling, gain clear understanding of what a reverse mortgage is, how a reverse mortgage works, and whether it aligns with your financial needs.
Schedule Your Appointment
(HECM)Schedule Your Appointment
(NON-HECM)800-294-3896
Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Reverse Mortgage Counseling Works

Young woman wearing glasses sitting at a table, reviewing documents with focus, symbolizing organization and financial planning.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Explore Your Options, Choose the Right One

Learn how a reverse mortgage works and explore the benefits it can provide, such as accessing funds while continuing to live in your home. This counseling is designed to explain the pros and cons of a reverse mortgage to help you decide if it’s the right fit for your financial goals.

Get Clarity,
Secure Your Retirement

Our HUD-certified counselors walk you through reverse mortgage types, loan terms, interest rates, and repayment structure. You’ll learn how these details impact your equity, retirement plans, and long-term financial well-being.
Woman looking over her credit card statements that contain the amount due and thinking if Credit.org is the perfect solution to her credit card debt problem.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.
Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Take Action, Enjoy Your Retirement!

Leave your session with confidence and a personalized summary of your options. Whether you're planning to age in place, travel more, or simply reduce financial stress, we’re here to help you move forward with peace of mind.

Step-by-Step
Reverse Mortgage Counseling Process

Step 1
Start With a  
Reverse Mortgage

Learn about the basics of a reverse mortgage, including how it allows you to convert home equity into income. This counseling session explains the fundamentals, so you have a clear answer to “what is a reverse mortgage” and “how does a reverse mortgage work.”

Step 2
Choose the Right
Type of Reverse Mortgage

Discover the different types of reverse mortgages, Single-Purpose, Home Equity Conversion Mortgage (HECM), and Proprietary Reverse Mortgage. This step clarifies the unique aspects of each type, helping you decide which might be the best fit.

Step 3
Discuss Pros, Cons,
and Alternatives

Your counselor will explain the long-term impact, answer all questions, and ensure you understand the risks, benefits, and if this is the best choice for your lifestyle goals.

Step 4
Get a Clear, Confident Retirement Strategy

You’ll leave with a full clarity on next steps, and a plan to use your home equity to reduce debt, increase income, or enjoy the retirement you deserve.
service ecosystem-minMagnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Reverse Mortgage Tools & Resources for Informed

Get clear, unbiased resources to help you understand how reverse mortgages work. From eligibility checklists to equity calculators, our tools empower you to explore your options, plan confidently, and protect your long-term financial future.
Explore Our Resources

Reverse Mortgage FAQ's

What Are the Eligibility Requirements for a Reverse Mortgage?

*Hover over for answer
To qualify, you must be 62+, own your home, and live in it as your primary residence. A counselor can confirm your eligibility and walk you through next steps.

Why Speak with a Counselor from a HUD-Approved Agency?

*Hover over for answer
A HUD-certified counselor ensures you fully understand the risks, costs, and benefits of a reverse mortgage, so you can make a confident, informed decision.

How Can I Know If a Reverse Mortgage Is Right for Me?

*Hover over for answer
Our HUD-approved counselors will help you assess your finances, explain pros and cons, and guide you through the decision based on your goals and needs.

Will I Still Have an Estate to Leave to My Heirs?

*Hover over for answer
Yes, any remaining home equity after repaying the reverse mortgage loan and interest goes to your estate or heirs when the home is sold or vacated.
Credit.org is not a loan company. We do not loan / lend money.
‍
Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
‍
Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
Copyright © Credit.org
About Us
Services and Resources