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Use these HECM references to find independent counseling and current FHA policy. Confirm the rules that apply to your situation with the lender and counselor.
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Requirement 2026-07-17
Independent HUD-approved counseling is required for a HECM
To obtain a HECM, borrowers must complete counseling with a HUD-approved reverse mortgage counseling agency. The independent counselor explains the loan, costs, homeowner obligations, and alternatives. Talk with the lender and counselor about the required sequence before moving forward.
You can speak with an independent counselor while you are still deciding whether a reverse mortgage fits. Bring questions about the household, future moves, costs, and other choices.
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Reference 2026-07-17
Where to find current FHA HECM policy
FHA Handbook 4000.1 and applicable HUD policy updates govern HECMs. Use HUD’s handbook page to find the published version and later changes, then confirm the effective requirements for the transaction with the lender.
For borrowers and referral partners, the practical point is simple: HECM eligibility, costs, and obligations are set by federal FHA policy, not by any one lender. If you want to confirm a specific rule, the source above is the primary document.
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