ReverseMortgageEDU™

Where reverse mortgage professionals
become strategists

Two doors. One destination: the most credible professional in the room.

1 For CFP® professionals
Free CE resource — and a referral conversation
worth having

Download The Modern HECM — 1.0 CFP® CE hour on buffer assets, Social Security bridging, and trust coordination. Free. No strings.

  • 1.0 CFP® CE hour · self-study · self-report
  • Pfau / Sacks / Salter research foundation
  • Interactive self-assessment with instant scoring
  • Print CE completion record when done
Get the free CE guide ↓
2 For mortgage professionals
Earn the designation that earns
CFP referrals

The C-RMS™ and C-R4P™ designation programs give you the vocabulary, the framework, and the credibility to build referral partnerships with financial planners.

  • C-RMS™ — Certified Reverse Mortgage Strategist™
  • C-R4P™ — Certified Reverse for Purchase Specialist™
  • 66 HD videos · 8 modules · self-paced on Thinkific
  • $97/month · cancel anytime
Explore designation programs ↓
Door 1 — for CFP® professionals

The Modern HECM — a CE guide built for planners, not lenders

Most reverse mortgage materials are product brochures. This one isn't. The Modern HECM is a free self-study CE guide covering the buffer asset strategy, Social Security bridging, and trust coordination — written at a level that respects your fiduciary standard and your clients' complexity.

  • Grounded in Pfau, Sacks, and Salter/Pfeiffer/Evensky research — all linked to the original FPA journal articles
  • Full case study: Margaret, 66, retires into January 2022 with a $900K San Diego home and $1.1M portfolio
  • Social Security bridge strategy with compounding tradeoff analysis
  • Tax treatment, IRMAA impact, living trust FHA compliance, voluntary repayment mechanics
  • Interactive 10-question self-assessment — instant scoring, print CE record when you pass
Read the interactive guide → Download PDF version
What's inside
1.0CE hour
6Sections
10Questions
FreeNo cost
The Modern HECM: A Guide for CFP® Professionals

Buffer assets · Social Security bridging · Trust coordination · Tax treatment · Case study · Interactive self-assessment with CE completion record

Read the guide now →
Have a client worth modeling? A 66-year-old homeowner with $400K+ equity and a 4% withdrawal rate. Sound familiar? Book 10 minutes →
Door 2 — for mortgage professionals

The designation that earns CFP® referrals

Most reverse mortgage training teaches product. ReverseMortgageEDU™ teaches strategy — the buffer asset framework, Social Security coordination, and portfolio mechanics that make a financial planner stop thinking of you as a loan officer and start thinking of you as a resource.

  • C-RMS™ — for originators building CFP referral relationships. 66 videos, 8 modules covering HECM mechanics, portfolio coordination, SS strategy, and CFP communication frameworks.
  • C-R4P™ — for HECM for Purchase specialists. Built for originators serving SRES Realtors, downsizing retirees, and gray divorce transactions.
  • Self-paced on Thinkific — start today, study on your schedule
  • Published Standards of Practice — gives CFP and attorney partners a formal commitment to reference
  • C-RMS™ Alumni Community — peer network for case studies, referral scripts, and guideline updates
Explore C-RMS™ Explore C-R4P™
Choose your designation
C-RMS™

Certified Reverse Mortgage Strategist™ · The flagship designation for originators building CFP® referral relationships. 66 videos · 8 modules · $97/month

Learn more →
C-R4P™

Certified Reverse for Purchase Specialist™ · For originators working in the HECM for Purchase space with SRES Realtors. $97/month

Learn more →
Our mission

Elevating the practice of reverse mortgage origination

Most reverse mortgage training is product-focused. ReverseMortgageEDU™ exists to change that. Our designation programs teach mortgage professionals to think like retirement income strategists — fluent in sequence-of-returns risk, Social Security optimization, and coordinated financial planning.

That shift in perspective is what earns the trust of CFP® partners. It's also what separates professionals who close transactions from those who build practices.

Every curriculum, every video, every exam question was built from 15+ years of active origination and direct collaboration with the planners, attorneys, and fiduciaries who refer into this space.

1
Practitioner-built curriculum
Every module was written by a working CRMP with active CFP partnerships — not a curriculum committee.
2
Strategy over product
We teach the buffer asset framework, the Social Security bridge, and trust coordination — not just loan mechanics.
3
CFP-ready graduates
C-RMS™ graduates can hold their own in a planning conversation. That's the standard every module is written to.
4
Self-paced, professional delivery
66 HD video lessons, 8 module exams, and downloadable worksheets — delivered on-demand through Thinkific.
Designation programs

Two credentials. One standard of excellence.

For CFP® professionals

A free CE resource — and a referral conversation worth having

The Modern HECM is a free 1.0 CE hour self-study guide covering buffer assets, Social Security bridging, and trust coordination. Written for planners, grounded in Pfau and Sacks research, built to spark the conversation your clients with home equity deserve.

Get the free CE guide About Renee
What's in the guide
  • Sequence-of-returns risk and the home equity blind spot
  • HECM LOC mechanics — growth feature, non-recourse protection
  • The Salter/Pfeiffer/Evensky standby HECM framework
  • Full case study — Margaret retires into 2022
  • Social Security bridge strategy with compounding tradeoff analysis
  • Living trust & FHA compliance note
  • Tax treatment — proceeds, deductibility, IRMAA
  • 10-question self-assessment for CE credit
The author
RK
Renee Konstantine, CRMP
Certified Reverse Mortgage Professional · NMLS #1360025

Associate Broker at C2 Financial Corporation, licensed in California and Washington State. Founder of ReverseMortgageEDU™. Co-author of Reverse Mortgages for Women, by Women. Member of the National Reverse Mortgage Education Committee. 15+ years specializing exclusively in reverse mortgages, with a practice built on CFP and financial planner partnerships.