Counseling Services Fee
Financial Counseling
Financial Counseling Session........................................ No charge
Matched Saving for Tomorrow...................................... No charge
Debt Management Plan Enrollment Fee...................... $50.00
Debt Management Plan Monthly Maintenance Fee... $20-40 based on income
Homeownership Counseling
First-Time Homebuyer Counseling Session................. No charge
Foreclosure Prevention Counseling.............................. No charge
Reverse Mortgage (HECM) Counseling
Counseling Fee................................................................ $125.00
Fee Payment
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All fees are payable at the end of the appointment if applicable.
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Payments can be made with a credit card, debit card, money order or cash (please bring exact amount if possible). Tabor does not accept checks for service.
Waiver Policy
Reverse Mortgage (HECM) Counseling Fee Waiver Eligibility
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To be eligible for a fee waiver clients will be asked to present proof of income and household size during the counseling session.
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Clients may request a waiver of fees and will be given instructions for submitting the request.
Per HUD guidelines, clients with household incomes below 200% of the federal poverty guidelines, as listed below, are eligible for a waiver of the Reverse Mortgage (HECM) counseling fees; they will not be responsible for payment of the $125 fee at the time of counseling. However, if eligible clients move forward with the reverse mortgage the payment will be included in settlement costs.

The Ann B. Barshinger Financial Empowerment Center for Lancaster County