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Hecm counseling certificate

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The document is a Certificate of HECM Counseling issued by the U.S. Department of Housing and Urban Development (HUD) for homeowners Anthony T. Lancaster and Sylvia M. Lancaster. It confirms that they received counseling regarding Home Equity Conversion Mortgages (HECM), including alternatives, financial implications, and potential impacts on taxes and estate planning. The counseling session lasted 75 minutes and was conducted by certified counselor Melissa A. Murray from the Administration of Resources and Choices. The certificate includes homeowner certifications, counselor details, and states that no fees were charged for the counseling session.

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