Any borrower that is considering a HECM reverse mortgage will be required to undergo counseling with a HUD counselor. That counseling can be done over the phone or in person at the counseling agency offices. The purpose of the HUD counseling is to make certain that the borrower has considered all options available to them prior to choosing a HECM reverse mortgage. The counselor will review a checklist to be certain that the borrower understands the choices available to them as well as how your choice fits your situation. In most cases you will be able to find a HUD counselor that can provide counseling at no cost. In either case the maximum a HUD counselor can charge is $125. A list of HUD counselors is available at [www.hud.gov/????] and a list of local providers as well as those accessible over the phone will be provided as part of your upfront proposal.