There are many many companies offering reverse mortgage counseling, there is no need to use a company that causes problems or is difficult in any way. I used this company for reverse mortgage counseling on referral from my loan company. No one informed me that my new wife, who is not on the title, must participate in the counseling as a non-borrowing spouse until the time of the counseling. This should have been fundamental information at the time Quickcert scheduled the counseling. My wife was not available at the time the counselor called, and Quickcert would not reschedule without charging another $125 full price fee. I tried to discuss with the manager, left 2 messages on his answer machine without any return call. It also took multiple phone calls to finally receive the certificate by email as they had promised. Save yourself the expense, aggravation, and unnecessary delays, simply use a different counseling service.