Find a Housing Counselor

Housing counselors are trained to help you evaluate your options and decide which mortgage options are best for you. A housing counselor can also help you find other local resources that might be helpful to you. HUD-approved counselors are free of charge.

Housing counseling agencies throughout the country provide free or low cost advice.

Please Read Disclaimer


Before you get started, you might be interested in watching informational videos regarding how to avoid foreclosure from the U.S. Department of Housing and Urban Development (HUD).

Commonly Used Nationwide Directories 


Other Counseling Agency Resources by State

Alabama
HUD resources
For free legal help, call the Legal Services Alabama Foreclosure Hotline: 1(877) 393-2333
Alaska
Call 1(888)995-HOPE
Arizona
Homewonership Counseling and Housing Counseling Agencies
Arizona Foreclosure Help Line: 1(877) 448-1211
Phoenix Residents: 1(602) 62-7210
California
Search by County
Colorado
Reach a HUD approved counselor by calling: 1- 877- 601- HOPE(4673)  This Foreclosure Hotline is administered by the Colorado Division of Housing.
Connecticut
Foreclosure Hotline: 1(877) 472-8313
Avoiding Foreclosure
Delaware
Housing Counseling Agencies Referral List
Florida
Florida Housing Counseling Network
Georgia
Housing Counseling Agencies
National Foreclosure Mitigation Counseling Agencies
Hawaii
Hawaii Certified Housing Counselors
List of Approved Counselors
Idaho: Resource to Assist in Avoiding Foreclosure
Call 1(800) 569-4287 or 1(800) 877-8339
Illinois
Foreclosure Prevention
You may also call 1-855-KEEP-411 or toll-free(1-855-533-7411)
Indiana
1-877-483-HOPE (Learn more at www.877gethope.org)
Mortgage Foreclosure Counseling Resources
Iowa
Foreclosure Hotline 1(877) 662-4866
Kansas
Housing and Credit Counseling Inc.
Kentucky
Search KHS approved counselors by county
Louisiana
National Foreclosure Mitigation Counseling Program
Maine
Foreclosure Diversion Program
HUD Approved Foreclosure Prevention Counseling Services
Foreclosure Prevention Hotline: 1(888) 664-2569
Maryland
Approved Counselors List
HOPE Housing Counselors Network
Massachusetts
Home Buyer Counseling
Minnesota
Homeownership Advisor Search 
Minnesota Homeownership Center:  (651)659-9336 or 1(866)462-6466
Mississippi
Loss Mitigation & Foreclosure Prevention Counseling Agencies
Housing Counseling Agencies List
Comprehensive Housing Counseling at University of Southern Mississippi 
Michigan
Homeownership Counseling Agency Locator
Missouri
Avoid Foreclosure call 1(888)246-7225
Montana
Foreclosure Mitigation and Counseling Agencies
Nebraska
Mortgage & Foreclosure Help Resources
Dial 2-1-1 or 1(402)444-6666 to for a referral to a housing counseling service
Nevada
HUD Certified Counselors
Nevada Hardest Hit Fund 1(855)428-4357
New Hampshire
Housing Counseling Agencies
New Jersey
List of  HUD/NJHMFA – Certified Housing Counselors
Free counselors may also be assigned through the toll-free number         1-888-989-5277
New Mexico 
Participating homeownership counseling organizations
New York
Foreclosure Prevention Counselors
NYC Residents
Contact Center for New York City Neighborhoods (CNYCN) at 311 or 646-786-0888.
North Carolina
N.C. Foreclosure Prevention
North Dakota
Home Buyer Education
Ohio
Save the Dream Ohio hotline: 1(888)404-4674
Save the Dream Counselor List
Oklahoma
Call HOPE hotline: 1(888)995-HOPE
Oregon
Oregon Homeownership Stabilization Initiative (OSHI)
HUD Approved Foreclosure Prevention Counseling
Pennsylvania
HEMAP Counselor Search by County
Comprehensive list of Housing Counseling Agencies
Philadelphia Residents
SaveYourHomePhilly Hotline: (215) 334-4663
Philadelphia Housing Counseling Agencies (Comprehensive list of English and Spanish Speaking agencies)
Homeownership Cousneling Association of Delaware Valley (List of regional agencies)
Rhode Island
List of HUD and HHFRI  certified counselors
South Carolina
South Carolina Homeownership & Employment Lending Program
South Dakota
Housing Counselor Search
Tennessee
THDA Foreclosure Prevention Counselors
Texas
Texas State Affordable Housing Corporation
Houston Residents
Housing Counseling Agencies
Arlington Residents
Arlington Housing Authority
Utah
Homebuyer Counseling & Training
Find a housing counseling agency. Call 1(800)569-4287 or TDD 1(800)877-8339
Vermont
Homeownership Centers
Virginia
Association of Housing Counselors
Washington
Washington Housing Finance Commission approved counselors
Talk to a counselor: 1(877)894-HOME
Washington DC
Housing Counseling Organizations
West Virginia
Refer to HUD, NeighborWorks, or Hope hotline
Wisconsin
Homebuyer Counseling Agencies
Milwaukee Residents
Take Root Milwaukee: Foreclosure Prevention Hotline: 1(414)921-4149
Wyoming
Homebuyer Education