HOEPA CounselingHome Ownership and Equity Protection Act
The leading platform for HOEPA counseling services, rate calculations, and compliance resources. Get instant access to HUD-approved counselors nationwide.
Understanding HOEPA Counseling
Why some loans require counseling, and how it helps borrowers make informed decisions
Common Triggers
Many normal, short-term financing solutions like bridge loans can trigger HOEPA requirements simply due to their structure. This doesn't mean there's anything wrong with the loan – it's just part of ensuring you have all the information you need.
Simple Compliance
Our platform makes it easy to complete the required counseling session quickly and conveniently. You'll connect with a HUD-approved counselor who will ensure you understand your loan terms and help you make an informed decision.
Educational Opportunity
Think of HOEPA counseling as a valuable consultation with a financial expert. It's an opportunity to ask questions, understand your options, and ensure you're making the best choice for your situation.
Expert Support
Our HUD-approved counselors are here to support you, not judge your choices. They provide objective information and guidance to help you proceed confidently with your loan decision.
HOEPA counseling is a simple step that helps protect borrowers while ensuring access to various financing options. Whether you're getting a bridge loan or other short-term financing, we're here to make the counseling process quick and beneficial.
Everything you need for HOEPA compliance
Access our comprehensive suite of tools and resources for high-cost mortgage compliance
Rate Spread Calculator
Calculate HOEPA rate spreads instantly using current APOR rates. Determine if your loan requires counseling.
Find a Counselor
Connect with HUD-approved counselors nationwide. Start a secure video call and get instant verification.
Current APOR Rates
Access the latest Average Prime Offer Rates (APOR) for various loan types and terms.