HOPE’s mission is to help older adults live with dignity and independence in the housing most appropriate to their circumstances.

HOPE is a 501 (c)(3) nonprofit organization that serves older adults in the St. Louis, Missouri area, and across the United States.  To assist us in our work, we welcome donations. Read our Donor Privacy Policy

Please use the button below to make a secure donation using a credit card or PayPal.

Case Management and Counseling

St. Louis, Missouri area ONLY:


For Case Management or Information services in other areas, call the Eldercare Locator at 800-677-1116.

Reverse Mortgage Counseling

(HECM Counseling)

Nationwide, toll-free:

844-HECMHOPE [844-432-6467]

Older Adult (60+) Case Management

HOPE provides free, in-home counseling and case management to adults age 60 and over in the St. Louis area.  We can help with housing, finances, benefit education and many other areas.

Caregiver Information and Counseling

If you are a caring for an older adult who lives in St. Louis City, our free support services may be able to help. We can provide informational assistance regarding finances, home health and chore services, and other supportive services. We can also provide emotional support including coping skills, supportive listening, and personal care planning.

Senior Housing List

We provide a list of subsidized and affordable housing options in St. Louis City, St. Louis County, St. Charles County, and Jefferson County.

If you are seeking housing in other parts of the country, please call the HUD Housing Counseling Locator at 800-569-4287 or go to
HUD Housing Counseling Search

St. Louis Promise Zone logo

 Expert Counselors

Our team of experienced reverse mortgage (Home Equity Conversion Mortgage or HECM) counselors provides expert counseling to people who are considering a reverse mortgage.  Get the most accurate information from the most unbiased source, before you apply for a reverse mortgage.

Affordable Counseling!

For clients with low income or other hardships, we can allow clients to finance our counseling fee, paying it from loan proceeds.


HOPE is a HUD-approved housing counseling agency and can provide HECM counseling to potential borrowers anywhere in the US (subject to state limitations in certain states).

Convenient Appointments

No matter what time zone you are in, our HECM counselors can set an appointment that meets your needs.  Evening and weekend appointments are available, and appointments can usually be scheduled within 2-7 days.

Questions?  Visit our Reverse Mortgage Counseling page — if you don’t find an answer, you can send us an email from there.