List of HECM Counseling Agencies
Mortgagee Letter 2009-10 

Lenders are required to provide every client with a list of no fewer than ten (10) HUD-approved counseling agencies that can provide HECM counseling, five of which must be in the local area and/or state of the prospective HECM borrower with at least one agency located within a reasonable driving distance for the purpose of face-to-face counseling.  The lender must provide a list of HUD-approved counseling agencies in the prospective borrower's geographic area so that he/she can choose and receive face-to-face counseling.  The other five agencies must be:

o       National Foundation for Credit Counseling (NFCC) -- 1-866-698-6322

o       Money Management International (MMI) -- 1-877-908-2227

o       Consumer Credit Counseling Service of Atlanta - (CCCS of Atlanta) --

1-800-251-2227

o       AARP --1-800-209-8085

o       National Council on Aging (NCOA) will be placed on the list beginning April 1, 2009.  A toll-free number will be available on HUD's website at http://www.hud.gov/offices/hsg/sfh/hcc/hccprof18.cfm

These national intermediaries and multi-state organizations have exam qualified counselors that can provide telephonic counseling to clients nationwide

Direct Connect
www.directconnectcounseling.com

Money Management International
www.moneymanagement.org
1-877-908-2227

National Foundation for Credit Counseling
http://www.nfcc.org/
1-866-698-6322

American Association of Retired Persons
www.aarp.org
1-800-209-8085

Consumer Credit Management Services, Inc.
Robert C. Walther
315 NE Second Avenue
Delray Beach, FL 33444
561-454-5615 Direct
866-213-8522 Toll Free
866-951-9883 Fax
robert@ccmsclient.org
www.debt-mgt.org

DebtHelper.com
Housing Counseling
Mohna Lalwani
4611 Okeechobee Blvd. #114
W.P.B, FL 33417
800-920-2262
mlalwanit@debthelper.com