Lutheran Social Service of Minnesota – LSS Financial Counseling - LSS St. Cloud - Saint Germain
Reverse Mortgage Counseling
2835 W Saint Germain St, St. Cloud, MN 56301
* Must be a Minnesota resident and homeowner who is 62 years of age or older * Own your home outright or have a mortgage balance that can be paid off at closing with proceeds from the reverse mortgage or other personal funds * Live in the home as your primary residence * Not be delinquent on any federal debt * Participate in a consumer information session given by an approved Home Equity Conversion Mortgage counselor
Free or low cost
Stearns County, MN
Stearns County
Other Information
Specialization
Federal Housing Administration (FHA)-backed reverse mortgages are called Home Equity Conversion Mortgages (HECM). In order to obtain a HECM, applicants are required to receive reverse mortgage counseling from a Housing and Urban Development (HUD)-approved reverse mortgage counselor. The counseling provides guidance on the options available under a reverse mortgage. This agency has HUD-approved HECM counselors who provide the required consumer information sessions. MORE INFORMATION Offers impartial education and guidance to help you understand the pros and cons of obtaining a reverse mortgage Services are available for Minnesota residents by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.
04/16/2026
Lutheran Social Service of Minnesota – LSS Financial Counseling