A HUD housing counselor can provide you with valuable information and guidance to help you achieve your housing goals and avoid financial difficulties.
A HUD (Department of Housing and Urban Development) housing counselor can help you in a variety of ways, such as:
Department of Housing and Urban Development (HUD)
451 7th St., SW
Washington, DC 20410
The HUD Department administers programs that provide housing and community development assistance, working to ensure and provide fair and equal housing opportunity for all citizens.
The HUD approved and certified housing counseling agencies that you will find in our list provide help for free or have a very low cost to low-income families, homeowners, landlords, buyers, and people facing foreclosure, renters, first time home buyers and anyone with a home loan or looking to apply for a mortgage, among others.
If you need assistance or advice on any housing concern, contact a HUD-approved housing counseling agency or call toll-free (800) 569-4287.
HUD approved and certified housing counseling agencies offer a number of free or low cost services to families and individuals in need, including:
If you're struggling to make your monthly mortgage payments, the most important thing is to take action as soon as possible if you're having trouble making your mortgage payments.
Also, there are several steps you can take to get back on track:
The first step is to contact your lender as soon as possible. Explain your situation and ask about your options for catching up on missed payments. Your lender may be willing to work with you to create a repayment plan or modify your loan terms to make your payments more affordable.
There are several government and non-profit programs that offer assistance to homeowners struggling to make their mortgage payments. Contact a HUD-approved housing counselor or visit the HUD website to learn more about these programs and how to apply.
Take a close look at your income and expenses to identify areas where you can cut back and free up money to put towards your mortgage payments. Creating a budget can help you prioritize your spending and ensure that you're making your mortgage payments on time.
Refinancing your mortgage may be an option if you're struggling to make your payments. Refinancing can help you lower your monthly payment, reduce your interest rate, or change the terms of your loan to make it more affordable. However, keep in mind that refinancing typically requires good credit and may come with fees and other costs.
If your budget is tight, consider looking for additional sources of income, such as a part-time job or freelancing opportunities. Any extra money you earn can be put towards your mortgage payments.
Find HUD-certified housing agencies that are near your location.