OLHSA Housing Counseling is Announcing REVERSE MORTGAGE HOUSING COUNSELING

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Tammy Shire

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Mar 19, 2026, 11:41:13 AM (9 days ago) Mar 19
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Greetings and good day,

OLHSA's Housing Counseling Department is announcing Reverse Mortgage Housing Counseling for residents of Oakland and Livingston Counties. This option is available for older homeowners who would like to remain in their home but struggle to afford doing so.

Our counseling sessions provide independent, HUD-approved guidance to help seniors understand:
  • How reverse mortgages work
  • Eligibility requirements and financial considerations
  • Alternatives that may better meet their needs
  • The long-term impact on their home and estate
Interested homeowners can contact OLHSA's Housing Counseling at 248-860-7845 or by emailing housingc...@olhsa.org.

Situations Where a Client May Want to Explore a Reverse Mortgage/HECM (Home Equity Conversion Mortgage):
1. Limited Retirement Income
2. Significant Home Equity but Limited Savings
3. Difficulty Affording a Current Mortgage Payment
4. Desire to Age in Place
5. Unexpected Financial Hardship
6. Need for a Financial Safety Net
A Home Equity Conversion Mortgage (HECM) is a federally insured reverse mortgage that allows homeowners
age 62 or older to convert a portion of their home equity into cash while continuing to live in their home.

Basic Eligibility:
  • Homeowner must be 62 years or older
  • The home must be their primary residence
  • The homeowner must participate in HUD-approved reverse mortgage counseling

Please share the attached flyer with anyone you feel would be interested and benefit from this option.
For questions, please contact Housing Counseling at 248-860-7845 or housingc...@olhsa.org.
Thank you and have a wonderful day!  Stay warm =)

This is Tammy S's card. Their email is housingcounseling@olhsa.org. Their phone number is +1 248 860 7845.
Tammy S  (She/Her/Hers)
Wishing you health, safety, joy, and HOPE!!

Tammy S.|  Housing Counseling Intake Coordinator |  OLHSA, A Community Action Agency   
2300 E. Grand River Ave. |  Howell, MI 48843   |  248-860-7845 cell  |  248-247-3168 fax
Helping people. Changing lives.  |  olhsa.org  | https://linktr.ee/olhsa | facebook.com/OLHSA 


Make a difference in our community.  Join our team:

​

From: Kay S. <ka...@olhsa.org>
Sent: Wednesday, March 4, 2026 11:40 AM
To: Tammy Shire <tam...@olhsa.org>
Subject: Re: When and how do we announce HECM Counseling?
 
I did send an email to Elena to add HECM to the website, and to do some Social Media Posts. 

I think we should do some targeted emails to Senior Centers, our Partner MLOs and Realtors, announcing this new service.


Thank you! 
Kay

Kay S. (she/her) | Assistant Director for Health, Housing, & Nutrition
HUD Certified Housing Counselor
Helping people.  Changing lives | OLHSA. Org

Make a difference in our community.  Join our team:

From: Tammy Shire <tam...@olhsa.org>
Sent: Tuesday, March 3, 2026 3:30 PM
To: Kay S. <ka...@olhsa.org>
Subject: Re: When and how do we announce HECM Counseling?
 
Question answered LOL

Now, when and how do we announce this new service of Talena's?

And neither of you commented on our invitation to present again with OC Treasurers Office =))

This is Tammy S's card. Their email is housingcounseling@olhsa.org. Their phone number is +1 248 860 7845.
Tammy S  (She/Her/Hers)
Wishing you health, safety, joy, and HOPE!!

Tammy S.|  Housing Counseling Intake Coordinator |  OLHSA, A Community Action Agency   
2300 E. Grand River Ave. |  Howell, MI 48843   |  248-860-7845 cell  |  248-247-3168 fax
Helping people. Changing lives.  |  olhsa.org  | https://linktr.ee/olhsa | facebook.com/OLHSA 


Make a difference in our community.  Join our team:

​

From: Kay S. <ka...@olhsa.org>
Sent: Tuesday, March 3, 2026 3:29 PM
To: Talena Schneller <tale...@OLHSA.ORG>; Tammy Shire <tam...@olhsa.org>
Subject: Re: When and how do we announce HECM Counseling?
 
Tammy is asking if we have to do a class for HECM since we do counseling.

It is the opposite, Tammy. If you offer a class you have to offer counseling.


Thank you! 
Kay

Kay S. (she/her) | Assistant Director for Health, Housing, & Nutrition
HUD Certified Housing Counselor
Helping people.  Changing lives | OLHSA. Org

Make a difference in our community.  Join our team:
From: Talena Schneller <tale...@OLHSA.ORG>
Sent: Tuesday, March 3, 2026 3:20 PM
To: Tammy Shire <tam...@olhsa.org>; Kay S. <ka...@olhsa.org>
Subject: Re: When and how do we announce HECM Counseling?
 
I am not sure what you are asking, or the context...

Talena Schneller | Housing Counselor | OLHSA, A Community Action Agency

2300 East Grand River Suite 107 | Howell, Michigan 48843 |

Cell: 947-957-4005

Helping people. Changing lives.olhsa.org | facebook.com/OLHSA


From: Tammy Shire <tam...@olhsa.org>
Sent: Tuesday, March 3, 2026 3:18 PM
To: Kay S. <ka...@olhsa.org>
Cc: Talena Schneller <tale...@OLHSA.ORG>
Subject: When and how do we announce HECM Counseling?
 
If we have counseling, does that mean we have to have a class?  Or is it

If we have a class, we have to offer counseling......

??

This is Tammy S's card. Their email is housingcounseling@olhsa.org. Their phone number is +1 248 860 7845.
Tammy S  (She/Her/Hers)
Wishing you health, safety, joy, and HOPE!!

Tammy S.|  Housing Counseling Intake Coordinator |  OLHSA, A Community Action Agency   
2300 E. Grand River Ave. |  Howell, MI 48843   |  248-860-7845 cell  |  248-247-3168 fax
Helping people. Changing lives.  |  olhsa.org  | https://linktr.ee/olhsa | facebook.com/OLHSA 


Make a difference in our community.  Join our team:

​
HECM Flyer March 2026.pdf
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