Planning stage Considering reverse mortgage Quote or packet received HUD counseling scheduled Existing reverse mortgage Default or foreclosure notice
Main goal for home equity Monthly living expenses Home repairs/accessibility Care or medical costs Paying other debts Delay Social Security claiming Not sure yet
Who lives in the home? One homeowner Spouse/partner co-borrower Spouse/partner not borrower Family also lives there Ownership or occupancy unclear
Taxes, insurance, and repairs Current and affordable Current but tight Behind or at risk Repair or insurance concern Not sure
Understanding of loan costs Basic understanding Confused about balance growing Concerned about fees or interest Need family/pro review
Alternatives review Not reviewed yet Some alternatives reviewed Several alternatives compared Urgent cash need
Counseling status Need HUD counselor Counseling scheduled Counseling completed Lender/salesperson only
Family or heir conversation Not started Started but questions remain Disagreement or pressure Not applicable
Private document folder Documents are scattered Folder started Folder ready for counseling
Advertising or pressure concern No pressure concern Confusing ad or mailer Feeling rushed Possible scam concern
Use this to prepare for unbiased reverse mortgage counseling.
Use broad planning answers only. Do not enter addresses, account numbers, Social Security numbers, loan numbers, property values, income, tax bills, insurance policy numbers, or private family details here.
This planner is educational and organizational only. It is not mortgage, housing, financial, tax, legal, benefits, estate, investment, foreclosure, or Social Security claiming advice. Confirm personal decisions with a HUD-approved housing counselor, qualified professionals, official agencies, and loan documents.
Official references:
CFPB reverse mortgage resources ,
HUD HECM information ,
HUD housing counselor search .
