Get Help

If you have questions about your reverse mortgage, contact the mortgage company that services your loan. Your servicer’s contact information should be on your loan paperwork or on the periodic statements or notices you receive regarding your reverse mortgage loan balance. Additionally, we’ve listed several large reverse mortgage loan servicers on the table below (expand section to view). You’ll also find out how to contact a free HUD-approved housing counseling agency, how to avoid scams, and information on State Programs in the expandable sections below.

If you are struggling with paying your property-related expenses (such as property taxes and insurance), it is strongly recommended and encouraged that you work with a HUD-approved housing counseling agency.

Your counselor will help you review your financial situation and work with your mortgage servicer. In addition, your counselor will be able to refer you to other resources that might assist you in balancing your budget and retaining your home.

Your reverse mortgage servicer can provide you with information about free HUD-approved housing counseling agencies and how to contact them.

What Documents Will My Counselor Need?

Your reverse mortgage counselor will provide specific information on the documents you’ll need to provide and your next steps—typically you will need to provide documentation of your income and expenses.

Mortgage Company Serviced By Toll-Free
Telephone
Number
Website
Champion Mortgage Champion Mortgage 866-654-0020 www.championmortgage.com
Circle Mortgage Corporation Circle Mortgage
Corporation
866-654-0020 n/a
Citizens First Wholesale Mortgage Reverse Mortgage
Solutions, Inc.
800-503-5559 myrmloan.com
Celink Celink 866-654-0020 n/a
DLJ Mortgage Capital Inc. Celink 866-654-0020 n/a
Everhome Mortgage Company Celink 866-654-0020 n/a
Financial Freedom,
OneWest Bank
n/a 800-441-4428 FinancialFreedom.com
Generation Mortgage Company n/a 866-733-6092 n/a
GMAC Mortgage LLC Celink 866-654-0020 n/a
James B. Nutter n/a 800-943-7334 n/a
Liberty Home Equity Solutions, Inc. Liberty Home
Equity Solutions, Inc.
888-892-8996
(RMS)
866-654-0020
(Celink)
myrmloan.com
Live Well Financial Inc. Live Well
Financial Inc.
866-654-0020 n/a
Metlife Bank N.A. Celink 866-654-0020 n/a
Nationwide Advantage
Mortgage Company
n/a 866-350-8884 nationwideadvantage
mortgage.com
Nationstar Nationstar 866-654-0020 n/a
Northern Ohio Investment Company n/a 800-441-3456 noic.com
Oceanfirst Bank Oceanfirst Bank 866-654-0020 n/a
Security One Lending Reverse Mortgage
Solutions, Inc.
800-503-5559 myrmloan.com
St. James Mortgage Corporation n/a 800-837-7005 stjamesmortgage.com
Sun American Mortgage Company Sun American
Mortgage Company
866-654-0020 n/a
Sun West Mortgage n/a 800-453-7884 swmc.com
Urban Financial Group, Inc. Reverse Mortgage
Solutions, Inc.
& Celink
877-774-1419
(RMS)
866-654-0020
(Celink)
myrmloan.com
Wells Fargo n/a 877-623-8439 wellsfargo.com
Wendover Financial
Services Corporation
Celink 866-654-0020 n/a

Florida ELMORE Program

The Elderly Mortgage Assistance Program (ELMORE) uses federal Hardest Hit Funds to assist senior homeowners in Florida with reverse mortgages who may be facing foreclosure due to nonpayment of property-related expenses, such as property taxes, homeowner’s insurance and homeowner’s and/or condo association dues.

ELMORE has specific income, hardship and residency requirements. The overall requirements are that you:

  • Have a reverse mortgage secured by a property in Florida;
  • Are a legal U.S. citizen or lawful permanent resident;
  • Reside in your house as your primary residence;
  • Have income lower than 140% of the average median income in your area;
  • Have fallen behind on property-related expenses due to a hardship such as medical expenses, reduction in income, home repairs, divorce, disability, unemployment or under employment, or other challenges; and
  • Can afford property-related payments once you’re caught up through this program.

If approved, you may get up to $25,000 to pay for property-related expenses through a forgivable two-year loan. There is no interest on the loan and there are no payments to make provided you do not sell the property within two years of the date of this loan and you have satisfied all loan terms. If you’ve already received assistance through another Florida Hardest-Hit Fund Program, your total assistance cannot exceed $50,000.

For more information on ELMORE, please call toll-free (855) 414-3328 or visit FloridaELMORE.org. You can also contact your reverse mortgage servicer who can further assist. Your servicer’s contact information should be on your loan paperwork or on the periodic statements or notices you receive regarding your reverse mortgage loan. For a list of Fannie Mae reverse mortgage servicers, click the Reverse Mortgage Servicers tab section above.

Who should I call if I think I’m being scammed?

If you are contacted by anyone who is not your mortgage company offering to work on your behalf for a fee or claiming you qualify for a loan modification or some other solution, you can report the suspected fraud by calling:

U.S. Department of Housing and Urban Development (HUD) Office of the Inspector General Hotline
800-347-3735 or email: hotline@hudoig.gov
Federal Housing Finance Agency Office of the Inspector General Hotline
800-793-7724 or on the Internet at: www.fhfaoig.gov/ReportFraud

GET HELP

Learn about what help is available and who to contact.

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LEARN ABOUT YOUR
RESPONSIBILITIES

Understand your reverse mortgage responsibilities.

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FREQUENTLY ASKED
QUESTIONS

Find the answers to common questions concerning your reverse mortgage.

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