| Step One: Print and fill out the questionnaire below or fill it out securely "online". |
 |
| This is not a formal application. The purpose of the questionnaire is to provide us with basic information about you and your home. This information will be kept strictly confidential and will only be used for processing your reverse mortgage application. |
| Step Two: Get your Credit Counseling Certificate. |
|
| When we determine that you qualify for a reverse mortgage, your next step will be to get counseling from a HUD approved counseling agency. An independent third party must provide counseling for a reverse mortgage. Counseling sessions usually last 30 to 45 minutes and you will be asked to sign a counseling certificate at the end of the session. At Ocean State Reverse Financing, Inc., we recommend that the counseling be done in person. However, if you are unable to schedule a face-to-face counseling session, it can be done over the telephone. At the end of the session, the counseling agency will provide you or mail you the counseling certificate for you to sign. Listed below are two HUD approved counseling agencies that you can call to schedule an appointment. |
| Step Three: Provide us with complete information. |
|
| Once you have received your counseling certificate, you can formally apply for a reverse mortgage. To expedite the application process, we ask you to collect in advance all of the information and documentation that will be necessary to complete your application. For your convenience, we have attached a checklist for the necessary documentation. |
| Step Four: Call us to make your application appointment. |
|
| (401) 667-2578 or (866) 401-4014. |
