{"id":59070,"date":"2024-10-03T03:04:40","date_gmt":"2024-10-03T01:04:40","guid":{"rendered":"https:\/\/housesmarketplace.com\/hud-counseling-head-says-partnership-with-reverse-mortgage-industry-ensures-seniors-safety\/"},"modified":"2024-10-03T03:04:40","modified_gmt":"2024-10-03T01:04:40","slug":"hud-counseling-head-says-partnership-with-reverse-mortgage-industry-ensures-seniors-safety","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/hud-counseling-head-says-partnership-with-reverse-mortgage-industry-ensures-seniors-safety\/","title":{"rendered":"\u0413\u043b\u0430\u0432\u0430 \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u043e\u0442\u0434\u0435\u043b\u0430 HUD \u0437\u0430\u044f\u0432\u0438\u043b, \u0447\u0442\u043e \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u043e \u0441 \u043e\u0442\u0440\u0430\u0441\u043b\u044c\u044e \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u0435\u0442 \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u044c \u043f\u043e\u0436\u0438\u043b\u044b\u0445 \u043b\u044e\u0434\u0435\u0439"},"content":{"rendered":"
\n

David Berenbaum, deputy assistant secretary for the Office of Housing Counseling at the <\/strong>U.S.\u00a0 Department of Housing and Urban Development<\/strong><\/a> (HUD), addressed industry attendees at the National Reverse Mortgage Lenders Association<\/strong><\/a> (NRMLA) Annual Meeting and Expo in San Diego<\/a> last week. He emphasized the important role that the public-private partnership between the industry and HUD represents for the constituency served by these loan products.<\/p>\n

\u201cOur work together, our partnership, is to ensure that older Americans have a safe, affordable, and secure place to live, and to age with grace and financial health in our nation,\u201d Berenbaum said. \u201cAs we heard from the leadership of NRMLA, there is so much opportunity for all of us to help realize that vision. But, of course, there are also challenges.\u201d<\/p>\n

Modernized counseling<\/h2>\n

Berenbaum spoke about the development of the Office of Housing Counseling and how it has become a critical piece of the puzzle for the Federal Housing Administration<\/strong><\/a> (FHA)\u2019s Home Equity Conversion Mortgage (HECM) program over the years. Recent guidance from HUD aims to expand the allowable modalities<\/a> of the actual counseling sessions.<\/p>\n

\u201cI spoke with the [NRMLA] board, alongside [FHA Commissioner Julia Gordon<\/a>], about our modernization efforts, including our new regulation, which will go into effect next month,\u201d Berenbaum explained. \u201cThis is important for elders and older Americans because the majority of those seeking reverse mortgage counseling prefer telephonic services, which has been the norm since the pandemic.\u201d<\/p>\n

\"Official
David Berenbaum<\/figcaption><\/figure>\n

The modernization rule, he said, is simple in that it seeks to meet consumers where they are. Some people seek counseling services but might find it challenging to do so in-person. <\/p>\n

\u201cIf they want to meet face to face in the office, that\u2019s great,\u201d he said. \u201cIf they prefer to talk by phone at night, on weekends, or during the day, that\u2019s fine too. Virtual counseling is also an option. The common denominator is that they must receive high-quality services that meet or exceed HUD standards, and we monitor that closely through our program reviews.\u201d<\/p>\n

The world has changed, and some of that change was forced by the realities of the COVID-19 pandemic.<\/a> But that has also illuminated some of the need for additional flexibilities on an issue like counseling modalities.<\/p>\n

\u201cWe are in a world where people use multiple methods of communication, and we, like the real estate and housing finance industries, have updated our standards,\u201d Berenbaum explained. \u201cOur new rule was universally embraced by all stakeholders. Today, we have the largest number of HUD-certified housing counselors in the history of the program \u2014 around 4,400, though the number fluctuates.\u201d<\/p>\n

Creating adequate resources<\/h2>\n

Counselors must work for a HUD-approved counseling organization. But improved efforts are not only about being certified, Berenbaum said. <\/p>\n

\u201cOver 10,000 people have passed the certification exam since it became the norm, so it\u2019s a large number of professionals,\u201d he said. \u201cOf course, there\u2019s turnover \u2014 some people move on to housing finance or real estate, others become coordinators or executives in nonprofit organizations, and some simply retire. That turnover has been a challenge for our HECM-certified housing counselors.\u201d<\/p>\n

He then turned his attention to data, highlighting that in 2017 there were nearly 100,000 HECM counseling sessions.<\/p>\n

\u201cYou all understand how the market was quite different at that time,\u201d he said, a reference to disruptive HECM program changes<\/a> implemented in October 2017. \u201cBy 2022, the numbers were close to 85,000 to 87,000 sessions, but recent challenges have affected those numbers. In fiscal year 2023, there were nearly 55,000 sessions, and year to date, we\u2019re at about 23,000.\u201d<\/p>\n

But those numbers on their own are misleading, Berenbaum explained. There is a discernible appetite for reverse mortgage options, and baby boomers<\/a> as a cohort are not overly prepared for the prospect of aging in place.<\/p>\n

\u201cThey lack adequate resources, as Julia Gordon has noted,\u201d he said. \u201cI agree that the HECM product, private-label products, and HECM for Purchase<\/a> products will be critical resources for ensuring sustainable homeownership and aging in place for older Americans.\u201d<\/p>\n

His office is up to such a challenge, Berenbaum said. Incorporating HECM counseling into the broader strategic goals that HUD maintains will be an important factor to address the needs of senior borrowers, a demographic that will only grow over time.<\/p>\n

\u201cRelevance to the industry is important \u2014 sharing our story, ensuring access to housing counseling, positioning counselors for success, and embracing new technology,\u201d he said. \u201cWe hope to do more with you, leveraging AI<\/a> and educational tools to help elders, homeowners and their families make informed decisions about reverse mortgage products. Ultimately, we want to make it easier to do business with us, and we\u2019ve been active on all fronts.\u201d<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

David Berenbaum, deputy assistant secretary for the Office of Housing Counseling at the U.S.\u00a0 Department of Housing and Urban Development (HUD), addressed industry attendees at the National Reverse Mortgage Lenders Association (NRMLA) Annual Meeting and Expo in San Diego last week. He emphasized the important role that the public-private partnership between the industry and HUD […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-59070","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nHUD counseling head says partnership with reverse mortgage industry ensures seniors\u2019 safety - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/hud-counseling-head-says-partnership-with-reverse-mortgage-industry-ensures-seniors-safety\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HUD counseling head says partnership with reverse mortgage industry ensures seniors\u2019 safety - Houses Marketplace\" \/>\n<meta property=\"og:description\" content=\"David Berenbaum, deputy assistant secretary for the Office of Housing Counseling at the U.S.\u00a0 Department of Housing and Urban Development (HUD), addressed industry attendees at the National Reverse Mortgage Lenders Association (NRMLA) Annual Meeting and Expo in San Diego last week. 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