Reverse Mortgage Counseling

A Reverse Mortgage is a loan against the property for homeowners, 62 years of age and older who have equity in their homes, and permanently reside in the property.

  • No payments are required throughout the life of the loan
  • The homeowner retains title to the property.
  • As long as a homeowner remains in the property the loan will not become due as long as the property is maintained, the property taxes are paid, and the homeowner insurance is paid.
  • All existing mortgages must be paid off at the close of escrow with loan proceeds.
  • Loan proceeds can be used for any purpose and can be provided in lump sum payment, monthly payments for the rest of the homeowner’s life, monthly payments for a specific number of years or a line of credit to draw on when needed.

To schedule a counseling appointment, please complete our intake packet, or call (408) 720-9888 ext. 8020 or 8010. You may also call our toll free number (888) 324-7468 ext. 8020 or 8010 or send an email to:

The National Council on Aging (NCOA) publishes a booklet on reverse mortgages. Please check our fee schedule for applicable fees.

If you would like to make an online payment before your scheduled appointment, please click here.

This site complies with the applicable regulations under Section 508 of the federal Rehabilitation Act.
For further information email: or call 888-324-7468. TTY 7-1-1.