Help for Seniors: Reverse Mortgage Counseling


The Home Equity Conversion Mortgage (HECM), also referred to as a Reverse Mortgage, is a mortgage loan that allows homeowners over the age of 62 to convert equity in their homes into income that can be used to pay for home improvements, medical costs, living expenses, or other expenses. If you or an older adult is considering a reverse mortgage, you must attend a counseling session through a HUD-approved counseling agency.

Counseling is required in order to receive a reverse mortgage. Counseling is an unbiased educational resource to help the applicant and their family members make an informed decision about reverse mortgages.


Make an Appointment:

Appointments can be done in person or by phone. Call The Housing Council at PathStone today to schedule an appointment at 585.546.3700 x3004 or (1)833.229.8973.

Visit the Housing and Urban Development website ( to learn more about a HECM reverse mortgage.

What a Reverse Mortgage Counselor Does:

  • Explain the features and costs of a reverse mortgage

  • Screen for additional benefits the household may qualify for

  • Determine that the household understands the pros and cons of a reverse mortgage