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.

For Borrowers

Need to complete HOEPA counseling for your loan qualification? Start a call with a HUD-approved counselor now.

Counselors available now

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.