Safeguards   Initial discussion and determination. The first layer of protection is your initial discussion you have with one of our Reverse Mortgage Specialists. We will review all reverse mortgage products that are suitable for you and will help you make an informed decision as to which loan type would best suite your needs. Counseling. The second layer of protection is counseling. To be eligible for a Reverse Mortgage (HECM Homekeeper), you must discuss the loan with a counselor employed by a nonprofit or public agency approved by the U.S. Department of Housing and Urban Development (HUD). For a Cash Account reverse mortgage, you must discuss the loan with a Financial Freedom Counselor. The counselor will review all items discussed between you and our Reverse Mortgage Specialist to make sure there was no confusion and all your questions were answered. Your Family and Trusted Advisors. With every reverse mortgage you are encouraged to discuss your options with your family, friends, trusted advisors or all off the above. We will require an alternate contact when we take a loan application. All of these items are in place as a safeguard for you. Training. All of our Reverse Mortgage Advisors have extensive training and are continually learning more in order to better serve all of our customers needs. Availability. Our Reverse Mortgage Advisors will be available for you whenever you should have any questions. If for any reason you are unable to reach your specific Reverse Mortgage Advisor, our team of trained professionals will be available to answer any questions you may have.