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hi everybody Paul Shepherd with the ABCs of reverse mortgages todayamp;#39;s letter T T for time table what is involved how longs it take one of the milestones hereamp;#39;s the steps to a reverse mortgage number one get educated learn ask questions be inquisitive be curious get the numbers get the statistical numbers that you need which is based on age value interest rates get the numbers run number two is get the counseling done telephone or in person youamp;#39;ve got to get a counseling certificate they mail it to you they fax it to you they email it to you and thatamp;#39;s your e-ticket you hold that up in the air get on the phone when youamp;#39;re ready and call me or any of the approved FHA lenders who offer reverse mortgages thatamp;#39;s step two is get the counseling certificate because without that you canamp;#39;t go to step three step three is sign the application I donamp;#39;t want to scare you I donamp;#39;t want to scare you but Iamp;#39;m telling you itam