HUD Intermediaries play an important role in the provision of funding to organizations across the country. They receive pass-through funding from HUD and provide sub grants to housing counseling agencies. In turn, these sub grantees are able to offer a range of HUD counseling services, including reverse mortgage (HECM), rental, pre-purchase, default and delinquency counseling, services for the homeless and group education classes. Each Intermediary operates independently and is uniquely different in their protocols, processes, approach and benefits.  The collective strength of an Intermediary’s affiliate network makes for a more competitive application for housing counseling funding.

Today there are about 25 different HUD approved Intermediaries.

In addition to pass-through funding, Intermediaries provide critical support to their sub grantees through training, technical assistance, oversight and compliance monitoring, remote and on-site visits and ethics and quality of counseling monitoring.   Added benefits come via increased leverage of resources that allow all participants to be a more effective force in their community.

This guide will provide an overview of the benefits on partnering with an Intermediary, as well as a list of all National Intermediaries.

What is the process to partner with an Intermediary:

The process varies by Intermediary.  To learn more about their process, contact one of the agencies listed below. Please contact the intermediary you are interested in partnering with to determine if they are accepting applications.


Intermediaries may develop private sector partnerships and capital that supplements government support. They may also help simplify and organize HUD compliance by lessening the administrative burden for individual sub grantees which allows counseling organizations the freedom to provide quality direct counseling services to consumers and to be more effective in their community. Benefits may include:

  • Simplified Application Process and Reporting Process
  • Dedicated Support Team
  • Training and Technical Assistance
  • Conferences and monthly calls with affiliates
  • Updates on industry guidelines and new programs
  • Best Practices
  • Peer Learning Opportunities
  • Remote and On-Site Oversight and Compliance Monitoring
  • Assistance preparing for HUD Biennial Performance  Reviews
  • Attendance at selected events on the bequest of the affiliate
  • Strong support for Congressional advocacy
  • Letters of support for affiliates
  • Marketing direction and funding for specific local advertisements
  • Partnerships with private sector and financial institutions to provide capital and sustain growth outside of federal funds