Know which HECM leads are worth a pre-approval call
Cliont's HECM intake checks whether the youngest borrower on title is 62 or older, confirms primary residence, and captures current mortgage balance and HUD counseling status before a borrower ever reaches your calendar. Government ID, mortgage statements, and counseling certificates attach directly to the file your team reviews.
The exact intake your home equity conversion mortgage leads complete
This is the real 6-question guided intake for Home Equity Conversion Mortgage — the same flow your customers finish before you ever pick up the phone.
What a qualified home equity conversion mortgage lead should tell you
An FHA-insured loan program letting homeowners aged 62 or older convert home equity into loan proceeds, with eligibility tied to the youngest title holder's age, primary-residence status, existing mortgage balance, and completion of HUD-approved counseling.
- Youngest Homeowner On Property
- This Property Primary Residence
- Best Describes Current Mortgage
- Main Goal Accessing Funds
- Completed Hud-Approved Reverse Mortgage
- Able Keep Up With
The questions your team needs answered
Every home equity conversion mortgage intake asks these — and why each one matters.
| Question | Why it matters |
|---|---|
| Is the youngest homeowner on the property title at least 62 years old? | A 'no' answer flags a hard program disqualifier since HECM requires the youngest title holder to be at least 62, dropping the lead's score to near zero. |
| Is this property your primary residence? | Primary residence is a firm FHA requirement, so a 'no' answer signals the property likely won't qualify regardless of other strengths. |
| What best describes your current mortgage status on this home? | Mortgage status determines how much equity is actually available to convert, so 'owned outright' scores far higher than a large existing balance. |
| What is your main goal for accessing funds through this loan? | The stated goal for funds helps your team tailor the pre-approval call around income supplementation, debt payoff, repairs, or medical costs instead of running a generic script. |
| Have you completed HUD-approved reverse mortgage counseling? | Counseling status shows how close the borrower is to being pre-approval ready, since HUD counseling is a required step before closing. |
| Are you currently able to keep up with property taxes and homeowners insurance? | Falling behind on property taxes or insurance is a repayment-risk signal underwriters will scrutinize, so a 'no' answer lowers the lead's score. |
How Cliont scores home equity conversion mortgage leads
Every answer is weighted automatically — no manual review required.
Value signals
- Youngest Homeowner On Property: yes
- This Property Primary Residence: yes
- Owned outright, no mortgage
- Small remaining mortgage balance
- Large remaining mortgage balance
- Not sure
See the lead your team receives
Home Equity Conversion Mortgage Lead
From first click to qualified lead
Follow prospects and clients through one smooth, guided flow.
They land & meet you
Your video greeting plays instantly — a real face instead of a blank form.
They explain the project
Smart questions adapt to their project and capture the full scope.
They share the details
The scope and any documents come attached, so you can scope before the first call.
You get a ready lead
Scored and qualified — waiting for you to win it.
Built for home equity conversion mortgage workflows
| Cliont capability | Home Equity Conversion Mortgage application |
|---|---|
| Weighted answer scoring | Automatically drops a lead's score when the youngest title holder is under 62 or the home isn't a primary residence, both hard HECM eligibility gates. |
| Conditional field logic | Surfaces the mortgage-status answer (owned outright vs. large remaining balance) so loan officers see available equity before the pre-approval call. |
| Document upload capture | Collects HUD counseling certificates and mortgage statements directly in the intake so files aren't opened without proof of counseling status. |
| CRM routing | Sends borrowers who've completed or scheduled HUD counseling straight into your CRM pipeline instead of a general inbox. |
| Risk flagging | Flags borrowers who report difficulty covering property taxes or insurance so loan officers can address repayment-risk questions upfront. |
Common home equity conversion mortgage lead scenarios
Mortgage-free homeowner seeking income
Owns the home outright and wants to supplement retirement income - the highest-scoring mortgage-status answer combined with a clear stated goal makes this a fast pre-approval candidate.
Large existing mortgage balance
Meets age and residence requirements but carries a large remaining balance, which lowers available equity and the intake score even though the borrower still qualifies.
Co-owner under age 62
The homeowner on the call is 65 but a younger co-titleholder is 58, triggering the hard age-eligibility gate and routing the lead as low priority rather than a pre-approval call.
Behind on taxes or insurance
Answers yes to age and primary residence but no to keeping up with property taxes and homeowners insurance, a repayment-risk signal that lowers the score without disqualifying the file outright.
Counseling already completed
Has finished HUD-approved counseling and knows the exact mortgage balance, making this the closest lead to being ready for underwriting rather than early education.
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Professional
Unlimited intake forms and leads for your growing business.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Advanced analytics dashboard
Pay Per Lead
Only pay when you receive a qualified lead.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Charged only for submitted leads
More reverse mortgage intake templates
Home Equity Conversion Mortgage lead-intake FAQs
How does the intake enforce the age-62 eligibility rule?
The intake asks whether the youngest homeowner on title is at least 62; a 'no' answer carries a near-zero weight since HECM eligibility is legally tied to that age threshold, so the lead scores low even if every other answer is strong.
What if the borrower doesn't know their remaining mortgage balance?
The mortgage-status question includes a 'Not sure' option that still routes the lead through, just with a moderate score, so your team can verify the balance during the pre-approval call instead of losing the lead.
Does the intake track where a borrower stands on HUD counseling?
Yes - borrowers select whether counseling is completed, scheduled, or not started, which tells your team how close the file is to being pre-approval ready before you call.
Why would a lead score lower even if the borrower is over 62?
Answering 'no' to keeping up with property taxes and homeowners insurance lowers the score because it's a repayment-risk signal underwriters review, separate from the age and residence eligibility checks.
What happens if the property isn't the borrower's primary residence?
A 'no' answer to the primary-residence question carries a low weight since HECM requires the home to be the borrower's primary residence, so those leads are flagged as lower fit rather than pre-approval ready.
How is this intake different from the Reverse Mortgage Consultation form?
This intake is built around HECM-specific eligibility gates - age of the youngest title holder, mortgage status, and HUD counseling - while the Reverse Mortgage Consultation form is for borrowers still exploring options before committing to a specific loan type.
Turn home equity conversion mortgage visitors into qualified clients
Give every home equity conversion mortgage visitor a guided intake instead of a dead contact form — and get a scored, qualified lead before you take the first call.