HUD Approved Housing Counselor's (HECM) Exam


As of September 24th, 2021 at Midnight Eastern Standard Time, PAVR will no longer administer the HECM Exam on behalf of HUD’s Office of Housing Counseling. You may complete your previously paid for examination prior to September 24th, 2021, or we will work with you to issue you a refund of your HECM exam fee.


Please contact your assigned Government Technical Representative, or Send an email to housingcounseling@hud.gov or call HUD at 1(202)708-1112 for further information and to answer any questions you may have regarding this transitional period.

Frequently Asked Questions


Question: I took the HECM exam and did not pass. Is there a mandatory waiting period before I am allowed to retake the exam?

Answer: 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.

Question: Who do I contact if I have forgotten my Login and Password information?

Answer: Send an email to housingcounseling@hud.gov or call HUD at 1(202)708-1112.

Question: What is the fee to take the HECM exam?

Answer: The exam fee is $100.00 for each exam session. See Cancellation/Refund policy.

Question: How often do I have to take the HUD HECM exam?

Answer: To remain an active HECM counselor, you must take the exam once every three (3) years.

Question: What is a considered a passing grade on the HUD HECM exam?

Answer: A passing grade is 80%.

Question: How often can I take the HUD HECM exam?

Answer: You can take the HUD HECM exam as many times as necessary to achieve the required 80% score. After you have successfully completed the exam, you are required to retake the exam every three years in order to retain your active status on the HUD HECM Counselor Roster.

Question: Where can I find study materials?

Answer: You can find study materials links at Prepare for Exam.

Question: Do I have to work for a HUD approved counseling agency to take the HUD HECM exam?

Answer: No. You can take the exam without being employed at a HUD approved agency. However, when registering to take the exam, you must follow specific instructions. When registering, the system will require you to list the name of your housing counseling agency. If you are not yet employed at an agency, HUD has indicated that test takers should enter “No Agency”, and enter “80000” as a place holder for the HUD Housing Counseling System (HUD HCS) ID.

Question: Need Special Accommodations?

Answer: If you need special assistance under the Americans with Disabilities Act, send an email to housing.counseling@hud.gov at least three weeks before the date on which you would like to take the exam. Provide specific information on your requirements as well as where and when you would like to take the exam.

Question: When will I know my exam score?

Answer: Immediately following the completion of the exam, your score will be shown on the screen. You will not receive a certificate. The data is sent to HUD and the records are kept electronically.

Question: What will happen once I pass the HUD HECM exam?

Answer: The HUD HECM exam results are submitted to HUD once a week. At that time, HUD processes the results. When you apply for the HUD HECM roster, your exam results will be on file with HUD. You are not required to provide proof that you successfully completed the exam.

Question: Will I automatically be added to the HUD HECM roster once I pass the exam?

Answer: No. You must apply to be added to the roster

Question: Why do I get an error message telling me that there are no exam records on file when I try to register for the Roster? I took and passed the HECM exam.

Answer: If you took the exam less than 7 days ago, please wait a few additional days before applying to the HUD HECM roster. Exam results are sent to HUD once a week, so it takes a few days for your exam results to reach HUD. If you took the exam more than 7 days ago, the problem may be that the information you are providing to FHA Connection does not match the information you provided at the time you registered for your exam. Contact housing.counseling@hud.gov to validate your exam data.

Question: Do I need to submit proof that I passed the HECM exam?

Answer: No, HUD receives this information on a weekly basis directly from PAVR Software.

Question: Who do I contact for all questions related to the HECM Roster?

Answer: HECM Roster questions should be directed to housing.counseling@hud.gov and sfadmin@hud.gov.

Question: Who do I contact for all questions related to FHA Connection?

Answer: FHA Connection questions should be directed to housing.counseling@hud.gov and sfadmin@hud.gov.

Question: When I pass the HECM exam, will I receive an official certification?

Answer: No. Upon successful completion of your exam, a screen will appear indicating whether you passed or failed the exam (see example below). This is the only notification that you will receive. Please print a copy of this screen for your records by clicking the Print this Page icon at the bottom of the screen.