HECM Counselors
Welcome to the HECM Counselor Resource Hub
This page is dedicated to supporting housing counselors specializing in Home Equity Conversion Mortgages (HECMs). Here, you’ll discover essential resources designed to help you guide and educate clients with confidence. As the site grows, you’ll find links to official HUD guidelines and mortgagee letters relating to HECM counseling, free and paid HECM Certification practice tests, an interactive Q&A, and other helpful tools for professional development.
To get started, you can access a curated list of core HUD documents, including the housing counselor handbook appendix, relevant mortgagee letters, and other official HUD materials that provide the foundation for all HECM counseling (and HECM Certification exam materials). We invite you to check back often as we continue to expand our resources for the HECM counselor community.
Prepare for HECM certification with our free, open-access practice test designed for both experienced and potential HECM counselors. This resource helps you assess your knowledge of the key topics behind HUD’s HECM counselor requirements, using realistic exam-style questions. Visit regularly as we will update the questions from time to time.