HUD Approved Housing Counselor's (HECM) Exam

counselors looking a laptop on a desk

Welcome to the HUD approved HECM exam registration center.

Here you will find everything that you need to register, schedule and train for your HECM exam. There are five steps to complete the HECM Exam process:

  1. Gather required personal information. Refer to Pre-Exam Checklist.
  2. Registration - Create an account and Pay for exam (via MasterCard, VISA, Discover, or American Express)
  3. Schedule an exam date
  4. Prepare for the exam
  5. Take the exam

Contact us at hecmexam_support@pavrsoftware.com for further help and support.


Mortgagee Letters related to Home Equity Conversion Mortgagee program

(Date Announced: January 17, 2018)


HECM Counselor Exams have been updated. The following HUD Mortgagee Letters contain HECM program related updates. Students are recommended to review them before taking the HECM Counselor Exam.

2017-12   (Home Equity Conversion Mortgage (HECM) Program: Mortgage Insurance Premium Rates and Principal Limit Factors)
2016-07   (Expanded Permissive Loss Mitigation for Home Equity Conversion Mortgages (HECMs) and Mortgagee's Optional Extension to Submitting a Due and Payable Request)
2016-04   (HECM Program: Loss Mitigation Guidance for HECMs in Default due to Unpaid Property Charges)
2016-03   (HECM Program: Home Equity Conversion Mortgage (HECM) Due and Payable Policies)
2016-02   (HECM Program: Non-Borrowing Spouse, Mortgagee Options for Home Equity Conversion Mortgages with FHA Case Numbers assigned prior to August 4, 2014)
15-15   (Mortgagee Optional Election Assignment for Home Equity Conversion Mortgages (HECMs) with an FHA Case Number assigned prior to August 4, 2014)
15-11   (Loss Mitigation Guidance for Home Equity Conversion Mortgages (HECMs) in Default due to Unpaid Property Charges)
15-10   (Home Equity Conversion Mortgage (HECM) Due and Payable Policies)
15-05   (Guidance for HECM Program Counselors providing counseling to prospective HECM mortgagors, and their Non-Borrowing Spouses)
14-22   (Home Equity Conversion Mortgage (HECM) Financial Assessment and Property Charge Requirements)
14-21   (Revised Changes to the Home Equity Conversion Mortgage (HECM)Program Requirements)
14-17   (Guidance for HECM Program Counselors in providing counseling to prospective HECM mortgagors, their Non-Borrowing Spouses and Heirs).
14-07   (HECM Program: Non-Borrowing Spouse).
13-01   (HECM Program: Consolidation of Pricing Options and Principal Limit Factors for Fixed Interest Rate Mortgages).


Recommended review time before retaking the exam

(Date Announced: January 19, 2016)

While HUD does not mandate a waiting period, it is recommended that all examinees review the exam material and wait at least one week before retaking the exam to allow themselves adequate time to fully prepare. If a test taker's score is 10 points or more below a passing score of 80, the recommended review period is two weeks.


ProctorU: Internet Explorer Browser Announcement

(Date Announced: January 12, 2016)

Microsoft recently announced it will no longer support older versions of Internet Explorer after Jan. 12, 2016. Browser versions prior to Internet Explorer 11 will still work, but they may not have the latest security updates.

This link contains more information about the Microsoft announcement.

ProctorU technical requirements may be found here.

Google Chrome is the preferred browser for proctoring sessions, Mozilla Firefox is another reliable alternative and Safari is available for Apple users.

If you have any questions, please contact us today using live chat on proctoru.com, emailing help@proctoru.com or calling 855-772-8678.


Exam Scheduling Process Update

(Date Announced: January 19, 2015)

HECM exam scheduling process is updated now. You are no longer required to create a separate account with ProctorU. After completing the registration, you will be redirected to ProctorU site to update your profile. You do not need to have separate user id /password for ProctorU site.