Why work with a counselor?
A HUD-approved housing counselor will talk to you about your situation and help you decide what mortgage options are best for you. A counselor will explain what documents you will need to provide to your mortgage company and may be able to contact the mortgage company on your behalf.

A housing counselor can also help you make a budget so that you can meet your monthly mortgage payment and other expenses. The counselor will have information about local resources that may be helpful to you.

There is no charge to work with a HUD-approved counseling agency.

Free counseling help

HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, credit issues, and reverse mortgages.

Find a HUD-approved housing counselor

If you are delinquent on your loan payments and need immediate assistance call 1-888-995-HOPE (4673)