source:
  type: guide
  id: hud-4000-1-ii-d-certificate-of-hecm-counseling
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Certificate
    of HECM Counseling (04/29/2024)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Certificate
    of HECM Counseling (04/29/2024).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-d-certificate-of-hecm-counseling-full
  canonical_id: hud-4000-1-ii-d-certificate-of-hecm-counseling-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Certificate
    of HECM Counseling (04/29/2024)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — d. Certificate
      of HECM Counseling (04/29/2024)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'd. Certificate of HECM Counseling (04/29/2024) i. Standard The
      HECM counselor must provide the Borrower, NBS, Non-Borrowing Owner, and legal
      representative with a Certificate of HECM Counseling once counseling is successfully
      completed. A Certificate of HECM Counseling must be signed and dated by the
      HECM counselor and the individual(s) required to receive counseling. The Certificate
      of HECM Counseling may bear the name of one or more individuals required to
      receive counseling. (A) Handling of Certificate of HECM Counseling Mortgagees
      may accept a copy of the signed and dated Certificate of HECM Counseling, from
      the HECM counselor or the individual(s) required to receive counseling that
      has been faxed, mailed, or electronically transmitted. The Mortgagee may merge
      two separately signed and dated copies of the Certificate of HECM Counseling
      that are received via fax, mail, or electronically from the HECM counselor and/or
      the individual(s) required to receive counseling to create one document. (B)
      Age of Certificate of HECM Counseling The Certificate of HECM Counseling remains
      valid for a period of 180 Days from the date that counseling was completed.
      (C) Restrictions on Beginning Loan Processing and Ordering the FHA Case Number
      Mortgagees may not charge the Borrower any fees or proceed with processing the
      HECM loan application until they receive the Certificate of HECM Counseling,
      signed and dated by the HECM counselor and all individuals required to receive
      HECM counseling. The Mortgagee and sponsored TPOs may only request corrections
      to the Certificate of HECM Counseling up until the HECM is endorsed. The Mortgagee
      must contact the HECM counselor regarding corrections to the Certificate of
      HECM Counseling. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT B. Title II
      Insured Housing Programs Reverse Mortgages 2. Origination/Processing Handbook
      4000.1 542 Last Revised: 11/26/2025 Mortgagees may not request the FHA case
      number until they receive the Certificate of HECM Counseling. See Ordering Case
      Numbers for additional information. ii. Required Documentation The Mortgagee
      must obtain a copy of the Certificate of HECM Counseling signed and dated by
      each individual required to receive counseling and the HECM counselor.'
  judgment: false
