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HECM Counselor Exam Guide
Basic Information

The Exam
Exam Scoring
No-Show, Cancellation, Rescheduling, Retesting

 The Exam

Plan to arrive at the testing site you selected 30 minutes before your exam appointment to allow enough time for the check-in process. You must bring two forms of identification. Both forms must include your signature, and one of them must be a current or valid government-issued photo ID (for example, a driver's license, state-issued photo ID, military ID card, passport).

You must also bring BOTH the Authorization Letter you got when you registered for the exam AND the confirmation number given to you by Thomson Prometric.

The Testing Administrator will sign you in and escort you to your testing station. You will not be permitted to bring anything into the testing area. Lockers will be available for any personal items (for example, purses, briefcases) you may want to store during the exam.

Each of the 100 question on the exam is followed by three to five possible answers. You should select the one best answer for each question, as no credit is given for multiple answers. You will be allowed TWO HOURS to complete the exam (this includes the time it will take you to answer the survey questions discussed below). So do not waste time on the most difficult questions. Leave them until you have completed the rest of the questions. If at that time you are still unsure of the answer, it is better to guess than to leave the answer blank.

Exam Preparation Materials

  • To see a list of the content categories and specific topics that may be covered in the exam, go to Exam Content.
  • To locate resources to prepare for the exam, go to Study Materials.
  • At Sample Questions, you can find questions that are similar in format to the 100 multiple-choice questions in the exam. But these questions do not represent the complete range or difficulty of the material that may be covered by the exam. 

State Variations & Effective Date : To meet HUD's requirement for a "uniform national exam," this exam is based solely on the national HECM program and related information as of the date the exam is taken. Counselors should answer all questions based on the national HECM program, and ignore program variations in individual states.

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Exam Scoring

  • The qualifying score you need to achieve on the exam to become eligible to join HUD's HECM Counseling Network is 80 or more correct (out of 100 questions).
  • You will learn your score on the exam immediately after you complete it. including

    • If you do not achieve the qualifying score, you will still be able to take the exam at a future time (see below).

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No-Show, Cancellation, Rescheduling, Retesting


To cancel and reschedule, contact Thomson Prometric at 1-800-715-8345 at least 48 hours before the time of your appointment to cancel or reschedule. Prometric does charge a fee for rescheduling exams.


To cancel your registration altogether, and withdraw from the exam, you must make two phone calls.

  1. First, call Thomson Prometric at 1-800-715-8345 to cancel your appointment as required above.
  2. Then, call Cyanna (the registrar) at 1-888-845-2634, option 2 to cancel your registration. A fee credit will then be given to the credit card on which the registration fee was charged.

If you do not achieve the qualifying score, you can re-take the exam at any time and as many times as you choose. The exam fee cost for each re-take is $100.


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For questions, comments, or feedback about registration or testing, send an email to HECMinfo@nw.org.


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