To go to the HUD.gov website and see their complete list of approved counselors, click here.
Counseling sessions can be either face-to-face or on the telephone. All counselors are trained in both. You will find both national counseling agencies and local counseling agencies on the list.
Your loan originator is responsible for providing you a list of nine counselors, including the four national agencies. However, in order to guarantee that the counselor is independent and has no vested interest in your ultimate decision on pursuing a reverse mortgage, the originator is not permitted to steer you towards anyone on the list. You are solely responsible for that choice.