All in-person counseling and workshops have been canceled for the time being. Please check this website frequently for updates.

A Home Equity Conversion Mortgage (HECM) or “Reverse Mortgage” allows eligible homeowners over the age of 62 to convert equity in their homes into a stream of income or a line of credit. In order to apply for a HECM all homeowners must first meet with a counselor to discuss the eligibility requirements, financial implications, and payment options of a HECM as well as alternative financing options. HECM counseling is FREE at HCS. We also offer two HECM workshops. For those who are considering applying for a HECM we have our Reverse Mortgage: How to Apply? Workshop held on the second Tuesday of every month and for those who already have a HECM or their family members who already have a HECM and want a refresher on how it works we have our Reverse Mortgage Refresher Workshop held on the third Tuesday of every month. Click here to register.

Click here to view the guidelines of the HECM program or call to schedule a one-on-one appointment at 202-667-7006.

Please be sure to bring all required documents to your counseling session. Document Checklist.