HUD-approved housing specialists provide homeowners with expert and personalized help with their mortgage issues for free. For more information, call a Nonprofit at (800) 254-4100 or contact the U.S. Department of Housing and Urban Development at Telephone: (202) 708-1112
Housing Counseling, Talk to a Counselor If you are having trouble making your mortgage
payment, talk to a counselor who can help you assess your financial
situation and work with your lender or servicer to see if you can avoid
foreclosure.
Avoid Foreclosure Scams Non-profit counseling agencies provide free or low cost foreclosure prevention counseling services. There is no need to pay a private company for these services.
Call Consumer Credit Counseling Service The Home ownership Preservation Foundation provides non-profit HUD-approved counselors across the United States that are dedicated to helping homeowners. These counselors can work with you to avoid foreclosure.
Make a Budget, Find a Solution Professionally trained and certified counselors can help you to evaluate your current financial situation. Counselors also will help you to figure out what options are available and help you find a solution.
HUD Approved Housing Counseling Agencies
HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. This page allows you to select a list of agencies for each state below. You may search more specifically for a reverse mortgage counselor or if you are facing foreclosure, search for a foreclosure avoidance counselor.
Before you call Use the checklist below to make sure that you have all of the information you need to work with a HUD-approved housing counselor. These documents are helpful to make sure that you have all of the information you need to correctly fill out your paperwork and make a budget.
Checklist
Information about your first mortgage, such as your monthly mortgage statement.
Information about any second mortgage or home equity line of credit on the house.
Account balances and minimum monthly payments due on all of your credit cards.
Account balances and monthly payments on all your other debts such as student loans and car loans.
Your most recent income tax return.
Information about your savings and other assets
Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources.
It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.) if applicable.
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Consumer Credit Counseling Information, Debt Management Plan Information, Debt Settlement Plan information, Credit Counseling, Credit Score, Consumer Credit Counseling Service, CCCS, Bill Consolidation, Credit Repair, and Debt Consolidation is not advice, and we recommend you consult a licensed credit counseling agency, debt settlement attorney, and/or licensed debt management plan administrator in your state if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
