HUD Certified Housing Counselor Application
Processing

The procedures for processing the HUD Certified Housing Counselor Application are provided below for each counselor type: HECM and Certified.

Processing the Application for a HECM Counselor

The basic procedure for processing the HUD Certified Housing Counselor Application for a HECM counselor is as follows:

Before You Begin - HECM Counselor

Before you begin, you must have the five-digit HUD Housing Counseling System (HCS) ID issued to the housing counseling agency that employs you. You must also have the following: an e-mail address, access to a scanner, and Adobe® Reader® software to generate, view, and print the required documents. The scanner must be capable of scanning multiple pages into one file.

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Entering Personal Information - HECM Counselor

  1. On the HUD Certified Housing Counselor Application page, Personal Information section, select HECM from the drop-down list in the Counselor Type field.

  2. Type your first name, middle initial, and last name in the fields provided. If there is a suffix after your last name, such as Jr, or III, make a selection from the drop-down list in the Suffix field.

  3. Type the month, day, and year of your birth in the Date of Birth field. Use an mm/dd/yyyy format, such as 04/13/1968. You must be 18 years of age or older.

    -or-

    Click Calendar to select a date.

  4. Type your Social Security Number in the Social Security Number field.

  5. Select your gender from the drop-down list in the Gender field.

  6. Select your ethnic background from the drop-down list box in the Ethnicity field.

  7. Select your racial background by clicking the appropriate check box in the Race(s) field. More than one check box can be selected. For a native of Alaska, select American Indian. For any Pacific Islander, select Native Hawaiian.

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Entering Contact Information - HECM Counselor

  1. In the Contact Information section of the HUD Certified Housing Counselor Application page, type your business mailing address in the fields provided. Use the drop-down list in the State field to select the state.

  2. Optionally, type the name of your business in the Business Name field.

  3. Type your telephone number in the Phone Number field.

  4. Optionally, type your fax number in the Fax Number field.

  5. Type your e-mail address in the E-mail Address field. Then, type it again in the Confirm E-mail field.

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Entering Training Information - HECM Counselor

Information on up to three completed HECM training courses can be entered in the Training Information section of the HUD Certified Housing Counselor Application page as follows:

  1. Type the name of the first completed HECM training course in the Course Name field for Training #1 (up to 50 characters).

  2. Type the name of the training company that performed the training in the Training Company field (up to 50 characters).

  3. Type the date you completed the course in the Completion Date field. Use an mm/dd/yyyy format.

    -or-

    Click Calendar to select a date.

  4. Repeat steps 1 through 3 for Training #2 and Training #3, if applicable.

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Entering Employment Information - HECM Counselor

If you are employed by more than one FHA-approved housing counseling agency, enter the information for the primary employer.

  1. Type the five-digit ID issued to your employer by HUD's Housing Counseling System (HCS) in the Agency HCS ID field. The first digit is "8" or "9" followed by a unique four-digit number.

  2. Type the date you started your employment (i.e., housing counseling) in the Hired Date field. Use an mm/dd/yyyy format. The Hired Date cannot be earlier than 01/01/1990. If your employment started before that date, use 01/01/1990 as the Hired Date. Note: This information is used for determining when you began housing counseling with a HUD-approved housing counseling agency and is not treated as an actual employment record.

    -or-

    Click Calendar to select a date.

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Processing Entered Information and Printing Instructions - HECM Counselor

  1. Read the HECM Counselor Certification. Then, if you agree, click the check box next to I agree and certify to these terms. A check mark appears.

  2. When all of the information is entered on the HUD Certified Housing Counselor Application page, click Send to process the page. If processing was successful, the HUD Certified Housing Counselor Application - Upload Files page appears with a Warning message near the top of the page stating processing is not completed. Continue to step 3.

    -or-

    If there was an error, the
    HUD Certified Housing Counselor Application page appears with an error message near the top of the page and an Error(s) Detected field in the Details section near the bottom of the page. Click More Details next to the listed error to get further information. Make any necessary corrections and process again.

    Notes:
    The error message Found As Claim/Default on Prior Federal Debt. Email Housing.Counseling@hud.gov is displayed when a record is found in the Credit Alert Interactive Voice Response System (CAIVRS). To get additional information or dispute the finding, send an e-mail message to the e-mail address provided.
    The error message No Exam Data on File is displayed if HUD does not have your HECM Roster Exam information. If you recently took the test and received a qualifying score, wait a week or so and apply again. HUD may not have received your exam information yet.

  3. Verify the information on the HUD Certified Housing Counselor Application - Upload Files page. Information is view only and if changes need to be made, click Go Back and Edit to return to the prior page. To continue with the application process, click Instructions to display a pop-up page with instructions. Click Print to print the instructions. Follow the instructions for generating the application and uploading files.

    Notes:
    The 8a. Date HECM Exam passed and 8b. HECM Exam administered by fields on the generated Application for Home Equity Conversion Mortgage (HECM) Counselor Roster, form HUD-92904 are automatically filled if there is an exact match of the counselor with a HECM Counselor Exam record. If an exact match cannot be made, Not Provided is displayed instead.
    If you do not have immediate access to a scanner or your scanner cannot create a file for a multiple page document, take the signed, printed Application for Home Equity Conversion Mortgage (HECM) Counselor Roster, form HUD-92904 and, if necessary, HECM training certificate(s) to a vendor that provides document scanning services. The vendor must scan the two pages of form HUD-92904 into one PDF file. Each training certificate must be scanned into a separate PDF file. The PDF file(s) provided by the vendor can be copied to your computer's hard drive (usually the C: drive). Then, complete the HUD Certified Housing Counselor Application again, exactly as you did before. Use the information on the printed form HUD-92904.

  4. When processing is successfully completed, the HUD Certified Housing Counselor Application Results page appears with a Warning message at the top of the page. The application is held for review by HUD personnel. The date the application was held is displayed in the Application held for HUD review on field. An e-mail message is sent to the counselor when a decision is made to accept or reject the application. The uploaded Application for Home Equity Conversion Mortgage (HECM) Counselor Roster, form HUD-92904 file can be viewed by clicking View Application. An uploaded certificate file for a completed training course can be viewed by clicking View Training Certificate next to the training information.

    Note: If the application is accepted, official placement on the FHA HECM Counselor Roster occurs after validation of employment is entered by the FHA Connection Application Coordinator for a housing counseling agency that employs you.

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Processing the Application for a Certified Counselor

Before you begin, you must have the five-digit HUD Housing Counseling System (HCS) ID issued to the housing counseling agency that employs you. You must also have the ID issued to you by the administrator of the HUD Housing Counseling Certification Examination.

The basic procedure for processing the HUD Certified Housing Counselor Application for a certified counselor is as follows:

  1. On the HUD Certified Housing Counselor Application page, Personal Information section, select Certified from the drop-down list in the Counselor Type field. A pop-up warning message states: Changing Counselor Type to Certified will clear all training data.

  2. Click OK to clear the pop-up warning message.

  3. Type your first name, middle initial, and last name in the fields provided. If there is a suffix after your last name, such as Jr, or III, make a selection from the drop-down list in the Suffix field.

  4. Type your Social Security Number in the Social Security Number field.

  5. In the Contact Information section of the HUD Certified Housing Counselor Application page, type your business mailing address in the fields provided. Use the drop-down list in the State field to select the state.

  6. Optionally, type the name of your business in the Business Name field.

  7. Type your telephone number in the Phone Number field.

  8. Optionally, type your fax number in the Fax Number field.

  9. Type your e-mail address in the E-mail Address field. Then, type it again in the Confirm E-mail field.

  10. Type the five-digit ID issued to your employer by HUD's Housing Counseling System (HCS) in the Agency HCS ID field. The first digit is "8" or "9" followed by a unique four-digit number. If you are employed by more than one HUD-approved housing counseling agency, enter the information for the primary employer.

  11. Type the date you started your employment (i.e., housing counseling) in the Hired Date field. Use an mm/dd/yyyy format. The Hired Date cannot be earlier than 01/01/1990. If your employment started before that date, use 01/01/1990 as the Hired Date. Note: This information is used for determining when you began housing counseling with a HUD-approved housing counseling agency and is not treated as an actual employment record.

    -or-

    Click Calendar to select a date.

  12. Click Send to process the information on the page. If processing was successful, the HUD Certified Housing Counselor Application Results page appears with a Success message near the top of the page stating: Certified Counselor Application Successfully Completed. Note: A request for validation of employment with the specified housing counseling agency is automatically processed.

    -or-

    If there was an error, the
    HUD Certified Housing Counselor Application page appears with an error message near the top of the page and an Error(s) Detected field in the Details section near the bottom of the page. Make any necessary corrections and process again.

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See Also

HUD Certified Housing Counselor Application - Business Background

HUD Certified Housing Counselor Application Page - Field Descriptions

HUD Certified Housing Counselor Application - Upload Files Page - Field Descriptions

HUD Certified Housing Counselor Application Results Page - Field Descriptions

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Last revised: August 15, 2017