HECM Counseling Agencies - Processing

Use the HECM Counseling Agencies page to request a list of FHA-approved housing counseling agencies, and the counselors employed by each agency, that provide Home Equity Conversion Mortgage (HECM) counseling. These agencies, included on HUD's Housing Counseling System (HCS), have been deemed eligible by HUD to conduct HECM counseling. HUD requires that borrowers seeking a HECM loan be counseled by an approved HECM housing counselor before applying for an FHA loan. Counseling can be waived for a HECM refinance if it is determined that conditions for a waiver were met.

The HECM Counseling Agencies page allows you to request a list of housing counseling agencies that provide HECM counseling by entering one or more of the following:

Location (city, state, and/or zip code)
Full or partial agency name

The list provides basic agency information (e.g., Agency Name, Address, Phone, Web Site) and can be displayed by Agency Name, City, State, or Zip Code. In addition, the list enables you to view a list of counselors employed by the agency who are approved for HECM counseling.

Note: You can use HECM Counselors to obtain contact information if you have the counselor's name but do not know the agency employing the individual. HECM counselors may be employed by more than one agency. You may access HECM Counselors at: https://entp.hud.gov/idapp/html/hecm_cnslr_look.cfm.

Requesting a HECM Counseling Agencies List

  1. On the HECM Counseling Agencies page, specify the order of your results by selecting one of the choices in the Sorted By drop-down list.  Results are presented in alphabetical order, A-Z, or numerical order, 0-9.

  2. Then enter at least one of the following requirements.

    Note: Where indicated, you may enter partial information (one or more characters) to retrieve records (agency information) that correspond with the entered criteria, e.g., entering "P" in the City field retrieves all agencies in cities that begin with "P." If multiple fields allow a partial entry and partial information is entered, all specified criteria is searched and only matching information is retrieved/displayed.

    Agency Name: Type a full or partial agency name for a list of agencies with the same or similar name.

    City: Type a full or partial city name for a list of agencies located in a specific city or in cities with similar names.
    State: Select the state in which the requested agencies are located. If All States is selected, an additional requirement, such as an Agency Name, must be entered.
    Zip Code: Type a full or partial zip code for a list of agencies located in the same or similar zip code area.

  1. Click Send. If information is found based on the specifications you entered, the HECM Counseling Agencies List page appears with the selected information. See Viewing HECM Counselors Employed by a Counseling Agency.

    -or-

    If no information is found based on the criteria you entered, the HECM Counseling Agencies page appears with an error message at the top of the page that states: HECM Counseling Agencies not processed due to error(s). An Error(s) Detected message at the bottom of the page states: No records matched your selection criteria. See Correcting Errors.

    -or-

    If there is an error, the HECM Counseling Agencies page appears with an error message at the top of the page that states: HECM Counseling Agencies not processed due to error(s). An Error(s) Detected message at the bottom of the page describes the error. See Correcting Errors.

Viewing HECM Counselors Employed by a Counseling Agency

The HECM Counseling Agencies List page appears if one or more agencies match the information you entered. There may be several pages of agencies from which to choose.

To select a HECM Counseling Agency and view details:

  1. Locate the desired agency in the list.

    Note: If the results of the search produce more than one page of information, use the buttons at the bottom of the page to move through the list.

  2. Click the link in the Name column to view the HECM Counseling Agency Detail page. If the agency employs housing counselors with FHA approval to perform HECM counseling, the counselors are listed.

  3. Use the Previous button at the bottom of the page or your browser's Back button to return to the HECM Counseling Agencies List page to view another agency's information or see Requesting Another HECM Counseling Agencies List.

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Requesting Another HECM Counseling Agencies List

  1. Use the Previous button at the bottom of the page or your browser's Back button to return to the HECM Counseling Agencies page.

  2. Click reset to clear all previously entered selections. See Requesting a HECM Counseling Agencies List.

    -or-

    Modify the previously entered selection(s).

  3. Click Send to process again.

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Correcting Errors

Review the error information on the HECM Counseling Agencies page. There are two common conditions that may occur: must enter at least one selection or no records match selection criteria.

Must Enter at Least One Selection

The Error(s) Detected message informs you that at least one specific requirement, e.g., State, Agency Name, must be entered before your request can be processed.

  1. Enter at least one specific requirement for your list.

  2. Click Send to process again.

No Records Match Selection Criteria

The Error(s) Detected message informs you that no agency is found based on your previously entered search criteria, e.g., State, Agency Name.

  1. Modify your search criteria.

  2. Click Send to process again.

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See Also

HECM Counseling Agencies - Field Descriptions

HECM Counseling Agencies List - Field Descriptions

HECM Counseling Agency Detail - Field Descriptions

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Last revised: March 9, 2009