Complete Your HECM Reverse Mortgage Counseling Affidavit

For borrowers pursuing a Home Equity Conversion Mortgage (HECM), completing an affidavit of reverse mortgage counseling is a federally mandated requirement. This form template streamlines the documentation process for HUD-approved counselors, lenders, mortgage brokers, and senior homeowners navigating the reverse mortgage process.

Why This Form Matters

HUD requires all HECM applicants to receive counseling from an approved agency before proceeding with a reverse mortgage. This affidavit serves as legal documentation that the borrower has received comprehensive counseling covering program features, costs, alternatives, and obligations. It protects both the borrower and the lender by creating a clear record of informed consent.

Built for Legal Compliance and Clarity

This Paperform template includes all essential components for HECM counseling documentation: borrower information, counselor certification details, financial assessment data, property requirement verification, and comprehensive borrower acknowledgments. The form guides users through each section with clear instructions and conditional logic, ensuring nothing is missed.

With Paperform's calculation fields and conditional logic, you can automatically validate counselor credentials, calculate income-to-obligation ratios, and show only relevant sections based on borrower circumstances. The professional, document-style layout ensures the affidavit looks formal and official—ready for submission to lenders and HUD.

Automate Your HECM Workflow with Stepper

Once a counseling affidavit is submitted, use Stepper to automate your reverse mortgage workflow. Route completed affidavits to underwriting teams, trigger follow-up emails to borrowers, update your CRM with counseling completion status, and create audit trails in your document management system—all without manual data entry.

For forms requiring signatures from multiple parties, connect this template to Papersign to collect secure eSignatures from borrowers, co-borrowers, and counselors, creating a legally binding record that's automatically stored with the original submission.

Trusted by mortgage professionals, legal advisors, and housing counseling agencies, Paperform provides SOC 2 Type II compliant, secure form solutions for sensitive financial documentation.