Who the Academy is for
Reverse Mortgage Coach Academy is for mortgage professionals who originate or support reverse mortgage files, and for anyone else who wants advanced reverse mortgage literacy. That can include real estate agents, financial professionals, adult children helping a parent, and students preparing for a reverse-mortgage-focused practice.
Provide affordable, rigorous, practical reverse mortgage education and knowledge-based professional certification to mortgage professionals and anyone seeking advanced reverse mortgage knowledge. Jay Zayer, CRMP, built the curriculum around the questions that actually stall files: leftover cash after liens, property charges, counseling timing, and product choice.
What students will learn
The foundational course is 32 hours across 10 modules. Students work through HECM rules, principal-limit math, financial assessment, proprietary and reverse-second products, HECM for Purchase, servicing and heirs, and ethics. See the full curriculum.
- Module 1. Reverse Mortgage Fundamentals and History · 2 hours
- Module 2. HECM Eligibility, FHA Rules, and Consumer Protections · 4 hours
- Module 3. Interest Rates, Principal Limits, Fees, and Loan Calculations · 4 hours
- Module 4. Financial Assessment, LESA, and Borrower Obligations · 3 hours
- Module 5. Proprietary, Jumbo, and Reverse Second Mortgages · 3 hours
- Module 6. HECM for Purchase and Real Estate Applications · 3 hours
- Module 7. Retirement Planning and Home Equity Strategies · 3 hours
- Module 8. Loan Servicing, Maturity Events, Heirs, and Estate Considerations · 3 hours
- Module 9. Ethics, Compliance, and Consumer Communication · 3 hours
- Module 10. Advanced Case Studies and Practical Applications · 4 hours
Proposed CRMA certification
The proposed Certified Reverse Mortgage Advisor (CRMA) is a knowledge-based credential. Completing the course and passing a 100-question examination at 80%, plus practical case studies, is the planned standard. Annual continuing education is required to keep active status. Details are on the certification overview.
The credential name is provisional. It is not HUD-approved, FHA-endorsed, NMLS-issued, or a substitute for a mortgage license.
Tuition and renewal
Initial certification
$199
One-time. Enrollment Coming Soon.
- Lifetime access to the original foundational course
- Certification examination
- First year of active credential status
Annual renewal
$99
Beginning after the first year.
- Continued active credential status
- Continuing education
- Directory listing when the directory launches
Optional professional tools and per-file coaching are described separately and are not included in the $199 tuition. See pricing, tools, and coaching.
What happens next
Phase 1 is this public foundation. Courseware, the exam platform, payments, and credential issuance are not live. Use the pages below to review the program while enrollment is prepared.
Questions visitors ask
Who is Reverse Mortgage Coach Academy for?
Mortgage loan originators, brokers, processors, real estate professionals, financial professionals, and anyone who wants a structured reverse mortgage education. It is a knowledge program, not a license.
What does the proposed certification show?
The proposed Certified Reverse Mortgage Advisor (CRMA) is designed to show that the holder completed a 32-hour curriculum and passed a 100-question exam at 80%. It does not authorize origination or replace state or NMLS licensing.
How much does initial certification cost?
Initial certification is $199 one-time. It is planned to include lifetime access to the original foundational course, the exam, and the first year of active credential status. Enrollment is not open yet.