Counseling is required in order to obtain certain types of reverse mortgages. Counseling is required before an individual can obtain a Federally-insured Home Equity Conversion Mortgages (HECMs). Even if counseling is not required for a particular reverse mortgage, individuals thinking of getting a reverse mortgage should seek either counseling or the advice of aqualified financial adviser.When you sell your home, you or your estate will repay the cash you receivedfrom thereverse mortgage plus interest and other fees, to the lender. The remaining equity in your home, if any, belongs to you or to your heirs.Call us to go over your options on a reverse mortgage. We have experienced agents ready to answer all your questions. With offices tohandle your reverse mortgage in San Diego and Los Angeles and Riverside we can handle your reversemortgage needs.Thank you for visiting our site about obtaining a Reverse Mortgage.