HUD APPROVED HOUSING COUNSELING AGENCIES
Near You
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:
- Financial counseling
- Homeownership counseling
- Rental counseling
- Reverse mortgage counseling
- Foreclosure prevention counseling
- HUD Approved Housing Counseling Agencies can help you develop a budget, improve your credit score, and manage your debt. They can also provide advice on money management and help you navigate financial challenges.
- A HUD housing counselor can help you prepare for homeownership by providing information on home buying, mortgage loans, and financial management. They can also assist you in understanding the terms and conditions of a mortgage loan and help you avoid potential foreclosure.
- HUD Approved Housing Counseling Agencies can help you understand your rights and responsibilities as a tenant, and provide guidance on finding and maintaining affordable housing. They can also help you address issues with landlords or rental units.
- A HUD housing counselor can help you understand the risks and benefits of a reverse mortgage, and provide guidance on how to select a reputable lender and navigate the application process.
- A HUD housing counselor can help you explore options to avoid foreclosure, such as loan modifications, refinancing, or payment plans. They can also provide guidance on how to work with your lender and navigate the foreclosure process.
Department of Housing and Urban Development (HUD)
451 7th St., SW
Washington, DC 20410
Phone: 1-202-708-1112
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:
- Free or low cost counseling
- Eviction and foreclosure prevention solutions
- Information on mortgage assistance programs
- Information on home buying programs
- Help with budgeting
- Eviction prevention
- HUD grants to property taxes
- Help with mortgage delinquency and default resolution counseling
- Reverse mortgage counseling
- Help with dealing with subprime loans
- Help with predatory lending
- HUD grants for closing costs
- Help with general foreclosure assistance
- Applying for home loan modifications and credit repair
- Help and advice to low income families who are looking to purchase a new or first time home.
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:
- Contact your lender
- Explore assistance programs
- Create a budget
- Consider refinancing
- Look for additional sources of income
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.
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