Reverse Mortgage / HECM

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. To arrange a telephone counseling session call 202-667-7706.

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.