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HUD-Approved Counselors, Mostly Free and Definitely Required

The world wide web offers a tremendous amount of information for anyone to access. It only takes a quick search in the search engines to gain knowledge on just about any subject you can imagine. The Internet is packed full of web sites that allow you to learn a great deal about obtaining a home loan. As tempting as it is to do our own research the first thing you must do if you’re thinking about a reverse mortgage, is talk to an approved counselor. 

Your first step is to get counseling from the people who can actually connect you with the proper lender for your personal needs. Reverse mortgages are very personal loans. They are not the same as a loan you would get when purchasing a home for the first time or even refinancing it at some point in time.

So, it’s a good idea to work closely with the people who can help you best. These people are actually those who are approved by HUD, Fannie Mae and Financial Freedom. Who in fact each has their own set of preferred counselors.

The most common counselor is the HUD-approved counselor. Unless you are someone considering a Home Keeper or Cash Account loan, you’ll want to see a HUD counselor. Most people are very relieved to learn that HUD-approved counselors are looking to make sure the type of loan you select is right for you, not what’s in the best interests of the bank or organization providing the loan. These counselors are trained not to sway you toward any personal opinions they may have, but to truly try and match the loan to your personal needs.

For those of you who feel an independent spirit rising in your blood, the fact is every homeowner is required to acquire the aid of the approved counselor. The good news is that most times these types of counselors offer their educational services for free. On occasion you may come across someone who charges a minimal fee. Usually between $50.00 to $75.00 or at least less than $100.00. Make sure you check around as a little research may uncover the freebie.

Now here’s the part where you may squirm a little. When you sit down to discuss your reverse mortgage options you’re going to have to answer a lot of rather personal questions. Questions like, “How old are you, what’s your health like, what’s in your bank account?” Financial probing is never any fun, but in this case, be honest. Although there will be personal questions about your finances, you don’t have to worry about them asking you about any personal habits or preferences like, “Do you like Coke or Pepsi?” or how many times a week you sneak out to eat a Jack burger. Just take a deep breath and know that anything you do reveal about your health and financial situation is kept between you and your counselor.

Some people bring along a close friend of family member just for the added support. This is totally up to you. It is not required. Sometimes it helps to have another person to help you sort out the details and there is a general boost in confidence when you have that special someone giving you added emotional support when speaking with a total stranger about personal details such as required for these types of situations.

A reverse mortgage in years past used to be a very bad idea. Things have changed greatly and today you can expect to be happily surprised at the vast majority of advantages in the reverse mortgage loan. Talking to a HUD-approved counselor can open your eyes to the wonderful ways you can use the equity in your home without actually having to sell it and move out. To learn more about reverse mortgages visit, http://reversemortgageproscons.com and discover the types of loans available as well as the advantages and disadvantages.

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