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.


Coming Soon - HECM Certification Exam in Spanish Language

(Date Announced: June 17th, 2019)

Effective from 6/17/19, Practice exams are available in both English and Spanish languages on new testing platform. You can view the new registration instructions now.


(Date Announced: April 30th, 2019)

We are currently working to provide both Practice and Certification exams in Spanish language as well. We are also updating the testing platform that hosts all exams. The new testing platform is designed to be more user friendly and intuitive.


  1. We will first make the practice exams (in both English and Spanish languages) available on new platform. We will provide clear instructions on how to access practice exams.
  2. During that period, the certification exam (English only) will continue to be available on existing platform.
  3. When the certification exam in Spanish becomes available, we will roll out both English and Spanish versions of certification exams to new platform. At that time all practice and certification exams will be available on new platform. We will provide clear instructions on how to access any exam.


Preparing for Exam

(Date Announced: June 29th, 2018)

List of resources to Prepare for Exam have been updated. Students are recommended to review them before taking the HECM Counselor Exam.


You can now take practice exam for assessing your knowledge before taking the actual certification test. See Prepare for Exam for details.


Mortgagee Letters related to Home Equity Conversion Mortgage program

(Date Announced: January 17, 2018)


HECM Counselor Exams have been updated. Some of the Mortgagee letters that contain HECM program related updates are listed here. This list is periodically updated but may not be comprehensive. Hence, students are recommended to review all relevant HUD Mortgagee Letters before taking the HECM Counselor Exam.


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.