🏡 If you have been meaning to sit in on our HECM workshop but 11:00 on a Friday morning has never worked, we have good news. Starting tonight, Reverse Mortgage Basics also meets on Wednesday evenings from 6:00 PM to 7:00 PM, live on Zoom.
💙 At Housing Foundation of America, Inc., we believe every homeowner deserves clear, honest, unbiased information about one of the most powerful and most misunderstood financial tools available to seniors. A workshop only does that job if you can actually attend it. So we added an evening seat at the table.
🗓️ Tonight, Wednesday, August 26, 2026 at 6:00 PM. Registration is free.
👉 Register for tonight's session here
✨ Why We Added an Evening Class
⏰ Our Friday morning session has been running for a while now, and it works beautifully for retirees with open mornings. But we kept hearing from two groups who could never make it.
👨👩👧 The first is adult children. You are often the one researching this on behalf of a parent, and you are usually at work at 11:00 AM on a Friday.
🧑💼 The second is the professionals who sit across from senior clients every week. Financial planners, estate planners, real estate agents, and lenders who want to understand HECM rules properly before the topic comes up in a client meeting.
🌇 Wednesday at 6:00 PM gives all of you a way in. Same curriculum, same HUD-certified counselors, same hour. Just after the workday instead of in the middle of it.
📅 The Friday 11:00 AM class is not going anywhere. Both sessions now run weekly, so you can pick whichever fits your life.
✨ So What Exactly Is a HECM?
🏠 A Home Equity Conversion Mortgage (HECM) is the only reverse mortgage product insured by the Federal Housing Administration. If you are 62 or older and own your home, a HECM may let you convert part of your home equity into funds while keeping ownership of your home, with no required monthly mortgage payments. Those funds are generally not treated as taxable income, though your tax advisor can confirm what applies to your situation.
💰 For many older homeowners, home equity is the single largest financial asset they have. Yet it tends to sit untouched while living costs, healthcare, and retirement needs keep climbing. A HECM is one way to put that equity to work on your terms.
⚖️ It is also a decision with real consequences for your estate and your heirs, which is exactly why FHA requires counseling before anyone can apply, and exactly why this workshop exists.
✨ What You Will Learn in One Hour
🧑🏫 A HUD-certified housing counselor will walk you through:
✅ How HECM proceeds are calculated and what payout options are available
✅ Eligibility requirements for both the borrower and the property
✅ Costs, fees, and what to actually expect
✅ Your ongoing responsibilities as a borrower, including property taxes, homeowner's insurance, and maintenance
✅ How a HECM affects your heirs and your estate
✅ Alternatives that may be a better fit than a reverse mortgage
✅ How to recognize and protect yourself from reverse mortgage scams
🤩 Every session is led by a HUD-certified housing counselor. Not a lender. Not a salesperson. Our counselors have no financial stake in what you decide. Their only job is to make sure you have the full picture before you make a move.
✨ Who Should Join Us Tonight
🏠 Homeowners aged 62 or older who want to understand their options and their rights as a borrower under the HECM program
👨👩👧 Adult children and family members helping a loved one explore retirement planning tools
📊 Financial planners and estate planners who want to serve senior clients better
🏘️ Real estate professionals and lenders who work with senior homeowners
🧠 Anyone who has heard the words "reverse mortgage" and wants the facts instead of a sales pitch
🙌 You do not need to be ready to apply. You do not need to have decided anything. You just need to be ready to learn.
✨ How to Join Tonight
🗓️ Wednesday, August 26, 2026
🕕 6:00 PM to 7:00 PM Eastern
💻 Virtual via Zoom, from wherever you are
🎟️ Free and open to all
👉 Click here to register
📧 Once you register, your Zoom link comes to you by email. If you are signing up today for tonight's class, give us a call at 954-923-5001 after you register so we can make sure your link reaches you before 6:00.
📱 You will need a device with a camera, whether that is a desktop, laptop, phone, or tablet, and your camera does need to stay on during the workshop so we can count you as an attendee.
🌎 Services are available in English and Spanish.
✨ Want Something More Personal?
🤝🏽 The workshop covers the program. A one-on-one HECM counseling session covers you, your home, your numbers, and your family.
📞 Counseling is conducted by phone, so there is no need to leave your house. Sessions run 60 to 90 minutes, and when you finish you receive the signed counseling certificate that FHA requires before you can move forward with an application.
💬 Call 954-923-5001 to schedule an appointment and to ask what the session involves. Our counselors are independent, unbiased, and HUD-approved, and we are not here to sell you anything.
✨ Why HFA
🏛️ For over two decades, Housing Foundation of America, Inc. has given South Florida families and communities nationwide the education, resources, and counseling they need to make confident housing decisions at every stage of life.
🔑 Your home has worked hard for you for a long time. Tonight is one hour to find out whether it can work for you now.
✨ See you at 6:00. ✨
📲 Call us: 954-923-5001
📧 Email: HFAToday@gmail.com
💙 Text DAP to 85100
✅ Visit: www.homeapproved.org
📱 Download the Housing Foundation Home Search App for real-time funding alerts
HECM Counseling is required by FHA for all reverse mortgage applicants. Housing Foundation of America, Inc. does not offer incentives for referrals. Housing Foundation of America, Inc. is a HUD-approved housing counseling agency.