Sorry, you need to enable javascript to visit this

URGENT NOTICE: Relief Available for Homeowners Affected by Hurricanes and Other Disasters. Learn More ›

What’s a Housing Counselor?

A HUD-approved housing counselor is an experienced, trained professional who can advise you on avoiding foreclosure, buying a home, protecting your credit, and other issues. The U.S. Department of Housing and Urban Development (HUD) sponsors housing counseling agencies throughout the country and counseling is available in many languages.

At Your Service

A housing counselor can talk to you about your situation and help you decide what mortgage options are best for you, whether you are concerned about falling behind on your mortgage payments or are preparing to buy a home. There is no charge to work with a HUD-approved housing counselor—help is free!

If you have missed any mortgage payments, are about to miss a payment, or if your loan already has been referred to an attorney for foreclosure, a HUD-approved housing counselor can help you assess your circumstances, identify your options, and prepare you to talk with your mortgage company.

Find a Counselor

Use the following links to find a HUD-approved counselor in your area.

Remember, there is no charge to work with a HUD-approved counseling agency—help is free!

Beware of Scams

Learn how to identify and avoid scam artists who promise immediate relief from foreclosure.

Find out more »


Find the answers to common questions concerning your mortgage and the various options to avoid foreclosure.

Find out more »


Visit our glossary of key terms to increase your understanding of the foreclosure options available.

Find out more »