Our help. Your Home.


There is something permanent, and something extremely profound, in owning a home.

Kenny Guinn


One of our three housing counselors is HUD HECM roster certified, and has provided reverse mortgage counseling for the last seven years, as well as servicing clients from the community at large. Reverse mortgages are designed for homeowners age 62 and older. These types of loans are called “reverse” mortgages, because the lender pays the homeowner. There are no income requirements for these loans and no monthly payments are due unless the homeowner no longer continues to live in the home. The HECM program offers numerous loan options, and clients work with the counselor to determine which type will best suit their needs.

The Housing Trust is the only organization to offer this much-needed service in Santa Fe and remains one of only two providers of HECM counseling in New Mexico.

The demand for this service has increased dramatically from The Housing Trust’s first year of providing HECM counseling in 2003, when two clients were counseled, to the year ending December 31, 2013, when 139 clients received HECM counseling.