HUD Replaces FIT and Benefits Check Up

HUD Replaces FIT and Benefits Check Up

The Financial Interview Tool (FIT) used by HECM counselors to create a budget and the Benefits Check Up tool to identify local resources for reverse mortgage borrowers have been replaced by the Client Budget and Resource Identity Tool (CBRIT), HUD announced.

The “Resource Identity” portion of the CBRIT will help counselors direct HECM clients to various non-HECM resources for which they may be eligible and provides instructions on accessing those resources. This feature replaces the NCOA Benefits Check-Up, and its use should be reflected in HECM client files, said HUD.

Counselors may access CBRIT through For any questions, please contact your agency’s HUD Point of Contact (POC) or email:

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Darryl Hicks

Darryl Hicks is Vice President of Communications for the National Reverse Mortgage Lenders Association. In this capacity, Hicks writes for NRMLA's publications, manages the association's web sites and social media accounts, assists committees and the Board of Directors, and manages the Certified Reverse Mortgage Professional designation. Prior to joining NRMLA in 1999, Hicks spent three years in the Washington, D.C. bureau for National Mortgage News.