Practice Test Geeks(CRMP) Certified Reverse Mortgage Professional Practice Test
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Counseling Protocols & Client Communication Flashcards

7 cards from real CRMP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Counseling Protocols & Client Communication flashcards as text

  1. Under HUD guidelines, how long must a borrower wait after receiving HECM counseling before signing loan documents?

    Answer: At least 7 calendar days

    HUD requires borrowers to wait at least 7 calendar days after counseling before signing HECM loan documents, ensuring time for reflection.

  2. When a HECM counselor identifies that a client may have diminished cognitive capacity, the BEST first step is to:

    Answer: Suggest the client bring a trusted advisor or family member to a follow-up session

    Counselors should recommend that clients with potential cognitive concerns bring a trusted third party to help ensure they understand the loan terms.

  3. A reverse mortgage counselor must provide the client with a written summary of the counseling session that includes which of the following?

    Answer: Contact information for the counseling agency and a summary of alternatives discussed

    The written counseling summary must include agency contact information, topics covered, and alternatives to a reverse mortgage that were discussed.

  4. Which statement best describes the role of a HUD-approved HECM counselor?

    Answer: To provide independent, unbiased education so the client can make an informed decision

    HUD-approved counselors are neutral educators who help clients understand reverse mortgages without steering them toward or away from any specific product.

  5. A borrower requests that counseling be conducted in Spanish. The counselor only speaks English. What should the counselor do?

    Answer: Refer the client to a HUD-approved counselor who can serve them in Spanish

    Counselors must ensure clients receive counseling in a language they understand, which means referring non-English speakers to appropriately qualified counselors.

  6. During counseling, a client discloses that a non-borrowing spouse will remain in the home. What is the counselor's MOST important obligation?

    Answer: Explain the protections and limitations for non-borrowing spouses under current HECM rules

    Counselors must fully explain non-borrowing spouse deferral rights and the conditions under which they can remain in the home after the borrower's death or departure.

  7. What is the primary purpose of the mandatory counseling requirement for HECM loans?

    Answer: To ensure borrowers understand the loan's implications and consider all alternatives

    Mandatory counseling exists to protect consumers by ensuring they are fully informed about how HECMs work and what alternatives may be available.