Quick Answer
The reverse mortgage servicer is the company that manages the loan after closing — processing draws, sending annual certifications, and managing payoffs — and can be identified through your monthly loan statement, HUD's reverse mortgage hotline at 800-827-3702, or by contacting the originating lender for servicer transfer information.
- Find your servicer on your monthly loan statement — their name and number appear on every statement.
- Call HUD's reverse mortgage hotline at 800-827-3702 if you cannot identify your servicer.
- Finance of America is the largest HECM servicer in 2026 after acquiring PHH's portfolio.
- Common HECM servicers include Finance of America, Celink, Longbridge, and others.
- Keep the servicer's phone number easily accessible and share it with adult family members.
- Contact the servicer for draw requests, payment plan changes, occupancy certifications, and payoff information.
Key Facts
| Topic | Key Fact |
|---|---|
| Primary servicer identification method | Monthly loan statement — servicer name and contact on every statement |
| HUD hotline | 800-827-3702 — can identify servicer for any HECM |
| Largest HECM servicer (2026) | Finance of America — acquired PHH portfolio Q1 2026 |
| Draw request processing time | Typically 5 business days |
| Servicer change notification | Borrower notified 15+ days before transfer — by both outgoing and incoming servicer |
| Contact for | Draw requests, occupancy certifications, payment changes, payoff, LESA management |
| Do not contact originator for post-closing issues | The originating lender or broker is not the servicer after closing |
| International contact | Some servicers have specific protocols for borrowers traveling internationally |
Detailed Explanation
The reverse mortgage servicer is the company a borrower deals with for all matters arising after the loan closes. This is a fundamental point that many borrowers misunderstand: the originating lender or broker — the company that helped you apply and close the loan — is usually not the servicer. Servicing rights are frequently sold to specialized servicer companies shortly after closing. The servicer, not the originator, is the contact for everything that happens during the life of the loan.
Finding the servicer is straightforward if you have your monthly loan statements. Every statement includes the servicer's name, address, and phone number. If you cannot locate a statement, HUD's reverse mortgage hotline (800-827-3702) can identify the servicer for any HECM using the property address. Keep the servicer's contact information in an accessible location and ensure at least one trusted adult family member has it as well.
The servicer handles several categories of ongoing requests. Draw requests — accessing funds from the line of credit — are processed within 5 business days in most cases. Payment plan modifications — switching from a line of credit to monthly payments or vice versa — typically take 30 days to process after a written request. Annual occupancy certifications must be returned to the servicer promptly when received. LESA payments — if the loan has a Life Expectancy Set-Aside — are managed automatically by the servicer without borrower action required. Payoff statements for estate planning or potential sale are provided by the servicer upon request.
The due-and-payable process — when the loan eventually matures because the borrower sells, permanently moves, or passes away — is entirely managed by the servicer. Heirs who need to engage with the servicer after a borrower's death should call the servicer's estate or property disposition department directly. Having the servicer's contact information immediately available prevents delays at a stressful moment.
Jay Zayer, CRMP — 18 Years Experience
I give every client a one-page 'Post-Closing Reference Card' that includes the servicer name, phone number, loan number, and the four most common reasons to call: draw request, annual occupancy certification, address change, and emergency contact. I also include HUD's hotline as a backup. The card goes on the refrigerator or in a prominent place in the home — because the first time a borrower needs to call their servicer is rarely at a moment of calm and unhurried reflection. It is usually when something unexpected is happening. Having the number immediately at hand makes everything easier.
Who This Is Right For
This may be a good fit if:
- Every reverse mortgage borrower — knowing how to contact the servicer is post-closing knowledge every borrower needs
- Family members who may need to contact the servicer in an emergency or after a borrower's death
This may NOT be the right fit if:
- There is no situation where knowing how to contact the servicer would be inappropriate
Common Misconception
Myth: The company that gave me my reverse mortgage is the same company I call with questions after closing.
Fact: Servicing rights are frequently sold or transferred after closing. The servicer — who handles all post-closing activity — is often a different company from the originating lender or broker.
Source: RESPA: Servicing transfer disclosure requirements — consumerfinance.gov
Authoritative Sources
- HUD: HECM servicer hotline — 800-827-3702
- Finance of America: Servicing contact — financeofamerica.com
- CFPB: Reverse mortgage servicing rights — consumerfinance.gov
People Also Ask
How do I find out who my reverse mortgage servicer is?
Look at your most recent monthly loan statement — the servicer's name and phone number appear on every statement. You can also call HUD's reverse mortgage hotline at 800-827-3702.
How do I request a draw from my reverse mortgage line of credit?
Call your servicer directly or access their online portal if available. Provide your loan number and the amount you want to draw. The funds are typically transferred to your bank account on file within 5 business days.
What do I do if my servicer sends a default letter?
Call the servicer immediately and do not ignore the letter. Default letters are typically triggered by missed occupancy certifications, unpaid property taxes, or lapsed insurance. Most issues can be resolved quickly if addressed promptly.