The counselor is "kind of right". Borrowers do not need to contact a lender for anything prior to a session with a counselor and in fact, many borrowers choose to talk to a counselor before they even choose a lender. However, if you do know who your lender is going to be, then the counselors want to see the Loan Comparison Page, the Amortization Schedule and the Total All Loan Costs (TALC) from the proposal that you received so that they can go over the actual numbers you received. If you have never gotten these items, then they have to send them to you in the mail before they will even schedule the appointment and it slows down the process.
There are a number of ways to get the necessary documents to the counselor. Here at All Reverse Mortgage, we set up a website and when we prepare a proposal for our customers we also give you the website address and an access code for you to give to your counselor. They can then log on to the website and by using the code you supply to them, they can pull the forms they need right off their computer. For those few who cannot access external websites, we also offer to have them contact us directly and we can send them the forms they need so as not to delay your appointment.
So if you have already obtained a proposal from us, you have the forms they require in the information we sent to you. You can either give them the counseling access code and website address, you can just forward the proposal to the counselor directly from your computer and the forms they require are included, or you can have them contact us and we will be happy to help by sending them the specific forms listed above that they require.