Protect Your Home From Reverse Mortgage Default

If you're falling behind on property taxes, homeowners insurance, or other financial obligations tied to your reverse mortgage, you're at risk of default, but you're not alone. Our counselors provide reverse mortgage default counseling and can help create a customized Debt Management Plan (DMP) to reduce your unsecured debt, freeing up income to cover housing related costs. This support can help you avoid default and stay safely in your home, at no cost to you.
Schedule Your Appointment
800-294-3896

Worried About Losing Your Home? We Help You Take Back Control

Step 1:
Start a Conversation
That Brings Clarity

Whether you’re feeling uncertain or already in default, our counselors take the time to understand your unique situation. From late payments, rising concerns about taxes or insurance, we help you see what’s happening and provide you guidance.

Step 2:
Find Out What’s Putting Your Home at Risk

We’ll carefully review your reverse mortgage terms and identify what’s causing concern, missed obligations, loan notices, or occupancy issues. This step is about making sense of the fine print, so you’re no longer in the dark.

Step 3:
Explore Real Options That Protect Your Home

There’s no one-size-fits-all answer, we walk through every available option tailored to your needs. That could include loan refinance, repayment plans with your lender, and available state or local reduction/exemption programs.

Step 4:
Build a Plan for Stability and Peace of Mind

With a personalized plan in place, you’ll feel confident about your future. We help protect your home, preserve your independence, and guide you forward with a clear strategy focused on lasting stability, control, and your long-term goals.
Ready to Take Back Control of Your Reverse Mortgage?, Start With a Free Counseling Session
Schedule Your Appointment

What You Gain From
Reverse Mortgage Default Counseling

Young woman wearing glasses sitting at a table, reviewing documents with focus, symbolizing organization and financial planning.

Avoid the Emotional Toll of,
‍Default Notices and Legal Action

No more fear every time the mail arrives. Counseling helps you act before default escalates, so you stay in control, no court dates, no panic, no risk of losing your home.

Relieve the Financial Pressure,Without Giving Up Your Home

Imagine finally catching your breath, covering doctor visits, prescriptions, groceries, utility bills, even setting a little aside for travel or family. Reverse Mortgage Default counseling helps you restructure your debt so daily needs aren’t a burden and your home stays exactly where it belongs, with you.
Young woman wearing glasses sitting at a table, reviewing documents with focus, symbolizing organization and financial planning.

Feel Confident About the Future,
‍Knowing You're Secure Today

Counseling gives you more than advice, it gives you peace of mind. You’ll walk away with a clear plan to protect your home, enjoy your retirement years without fear, visit family without worry, and spend more time living, whether that means a road trip, a reunion, or just quiet mornings at home.
Schedule Your Appointment
800-294-3896
service ecosystem-min

Helpful Reverse Mortgage Tools to Ease Stress and Guide Your Next Steps

From understanding your reverse mortgage to planning what comes next, resources like calculators are here to help you feel more prepared, less overwhelmed, and back in control.
Explore Our Resources

Reverse Mortgage Default FAQ's

Why am I at risk of default if I haven’t missed a mortgage payment?

*Hover over for answer
Missing property taxes, insurance, or maintenance can trigger default.
Talk to a HUD-certified counselor to review your status.

Can I lose my home if I’m in default on my reverse mortgage?

*Hover over for answer
Yes, default may lead to foreclosure, but help is available. Act now, speak with a counselor to explore ways to stay in your home.

What are my options to cure or resolve the default?

*Hover over for answer
Options may include repayment plans or assistance programs.
Connect with a counselor now to find a plan that fits your needs.

How can a counselor help me if I’m already in default?

*Hover over for answer
Counselor will assess your situation and explain ways to avoid default. Get expert guidance, schedule a session with a HUD-approved counselor.
Credit.org is not a loan company. We do not loan / lend money.
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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.
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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.
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