Unlock Equity.
Preserve Peace.
A reverse mortgage is a powerful financial tool for seniors, but it requires careful planning. We provide the mandatory HUD-approved counseling you need to make an informed, legacy-defining decision.
Equity Access
Convert a portion of your home's equity into cash, a line of credit, or monthly payments—all without ever making a monthly mortgage payment.
Age in Place
Remain in the comfort of your own home as your primary residence while using your built-up equity to cover home repairs, healthcare, or daily expenses.
FHA Security
Most reverse mortgages (HECMs) are insured by the Federal Housing Administration, providing a layer of protection for you and your heirs.
The Mandatory
Counseling Certificate
To protect seniors, the federal government requires a counseling session with an approved non-profit agency like Modern Debt Help before a reverse mortgage can be finalized.
"Our goal is absolute transparency. We explain the payout options, homeowner costs, tax implications, and the long-term impact on your estate."
HUD Certified Specialist
National Housing Division
Session Logistics
- 01
Standard Fee: $199
Covers the complete educational session and certification. HECM applicants may qualify for fee financing.
- 02
Interchangeable Knowledge
We explain fixed vs. variable rates and how your loan balance will grow over time as interest accrues.
- 03
Impartial Resource
Modern Debt Help is NOT a lender. We do not receive referrals from banks, ensuring our advice is 100% objective.
Critical Considerations
Do I still own my home?
Yes. The title remains in your name. You must continue to pay property taxes, homeowner's insurance, and maintain the property to avoid default.
Can the loan be foreclosed?
Yes. If you fail to pay property taxes or insurance, or if the home is no longer your primary residence, the loan can become due and payable.
How much can I borrow?
Generally between 40% to 60% of the home's appraised value. Any existing mortgage balance must be paid off first using the proceeds.
What happens to my heirs?
When the last borrower passes or moves, the estate has a set time to pay back the loan balance, often by selling the home or refinancing.
Protect Your
Legacy Today.
Don't navigate the complexities of reverse mortgages alone. Schedule your HUD-certified session with Modern Debt Help and move forward with absolute clarity.
FREE INITIAL CONSULTATION • HUD-APPROVED COUNSELING