HECM Exam- Eligibility Requirements

Only HECM counselors who meet the eligibility criteria listed below may apply. An eligible HECM Counselor must:

  1. Have successfully passed the HUD Housing Counselor Certification Exam.
  2. Have passed HUD's HECM Counseling Exam.  
  3. Have successfully completed at least one training course related to HECM counseling within the past two years
  4. NOT be listed on the General Services Administration's Excluded Parties List System (EPLS), HUD's Limited Denial of Participation List (LDP), or HUD's Credit Alert Interactive Voice Response System (CAIVRS)
  5. Be employed by a HUD-approved housing counseling agency

If you are a new applicant, you must apply online by uploading the application and proof of your successful completion of the HECM training course(s) listed on your application in PDF format.