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Reverse Mortgage/Home Equity Conversion Mortgages (HECM)

ACRHA offers one-on-one counseling to senior households interested in HECM’s and issues the required certificate for homeowners. 


The certificate attests only to the fact that the consumer attended the required counseling session and does not recommend the consumer for a HECM.

The Home Ownership Advisor will educate the consumer about options other than HECM, other reverse mortgages, the financial implications of HECM’s, a disclosure of the tax implications, eligibility for assistance under Federal and State Programs, and the impact on the estate and heirs of the homeowner.

Our Home Ownership Advisors are certified and have passed the HUD qualifying exam.  We will travel to the clients home when necessary. Phone counseling is provided as needed but we prefer to provide face to face counseling.  Reverse mortgage counseling is available to our clients free of charge.

ACRHA is a HUD approved housing counseling agency. 


ACRHA uses both HUD Handbook 7610.1 Rev-4 and the 4235.1 
Home Equity Conversion Mortgages.


Contact Counselor
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NYS TTY/TDD Relay: 7-1-1
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