Select Home Lending's role is to provide you with the information you need to make an informed decision about the reverse mortgage and other alternatives that may be available to you. The first step is to schedule an interview with a reverse mortgage counselor to learn about the key features of reverse mortgages and provide information on alternatives to reverse mortgages in order to assist you in determining your best options based on your particular financial needs.

Please review the following documents included in this package:
List of Counselors: please choose one and schedule an appointment for an interview right away.

• Please note that the 1st step in obtaining a reverse mortgage is selecting a government counselor and arranging the phone interview. The counselor will send a certificate to you after you complete the counseling. This process takes a week or two and the government does not allow lenders to begin the application process until you have received this certificate.

NCOA Booklet: Use Your Home to Stay at Home

• This booklet provides useful information to help with the decision making process & whether a reverse mortgage is right for you.

We recommend that you have paper and pencil handy for your counseling appointment. The counseling session will last approximately one hour or longer depending on your knowledge of the program and how prepared you are with your budget information.

Upon successful completion of the session the counselor will send you a certificate verifying your completion of the appointment. Once signed the certificate should be given to the lender of your choice should you decide to apply for the reverse mortgage.