Practice Test Geeks(CRMP) Certified Reverse Mortgage Professional Practice Test
← All CRMP Flashcard Decks

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. A HECM counselor learns that a client is under pressure from a family member to take out a reverse mortgage. The MOST appropriate action is to:

    Answer: Ensure the client has the opportunity to speak privately and understands they can proceed independently

    Counselors should create space for clients to express concerns privately and confirm that the decision to proceed is voluntary and informed.

  2. The Financial Interview, required as part of HECM counseling, is used primarily to:

    Answer: Help the counselor understand the client's financial situation and identify alternatives that may better serve their needs

    The financial interview helps the counselor tailor the session by understanding the client's financial context and identifying whether other options may be more appropriate.

  3. Which of the following best describes the counselor's obligation regarding elder financial exploitation?

    Answer: Counselors should be aware of signs of exploitation and follow applicable state mandatory reporting laws

    HECM counselors must be trained to recognize signs of elder financial exploitation and comply with their state's mandatory reporting requirements where applicable.

  4. A client asks the HECM counselor to recommend the best lender for their situation. The counselor should:

    Answer: Decline to recommend specific lenders and explain that selecting a lender is the borrower's decision

    Counselors maintain neutrality by not endorsing specific lenders, though they may educate clients on how to shop for and compare reverse mortgage offers.

  5. What information must the counselor confirm the client understands before issuing the HECM counseling certificate?

    Answer: The client comprehends how the loan works, its costs, alternatives, and their rights and obligations

    Before issuing the certificate, the counselor must confirm the client has an adequate understanding of HECM mechanics, costs, implications, and available alternatives.

  6. A client who is deaf requests in-person counseling with a sign language interpreter they will provide. The agency should:

    Answer: Accommodate the request, ensuring the interpreter does not have a conflict of interest

    Agencies must make reasonable accommodations for clients with disabilities, and a client-provided interpreter is acceptable provided there is no conflict of interest.

  7. During a HECM counseling session, a client asks about the TALC (Total Annual Loan Cost) rate. The counselor should explain that the TALC rate:

    Answer: Replaces the APR calculation for reverse mortgage disclosure purposes and shows total cost as a percentage over the expected loan term

    The TALC rate is a standardized disclosure metric for reverse mortgages that expresses total loan costs—including interest, MIP, and fees—as a single annualized percentage.