A HUD-approved housing counselor is an experienced, trained professional who can advise you on avoiding foreclosure, buying a home, protecting your credit, and other issues. The U.S. Department of Housing and Urban Development (HUD) sponsors housing counseling agencies  throughout the country and counseling is available in many languages.
At Your Service
A housing counselor can talk to you about your situation and help you decide what mortgage options are best for you, whether you are concerned about falling behind on your mortgage payments or are preparing to buy a home. There is no charge to work with a HUD-approved housing counselor—help is free!
If you have missed any mortgage payments, are about to miss a payment, or if your loan already has been referred to an attorney for foreclosure, a HUD-approved housing counselor can help you assess your circumstances, identify your options, and prepare you to talk with your mortgage company.
Find a Counselor
Use the following links to find a HUD-approved counselor in your area.
- Find a housing counselor on the HUD.gov website 
- Find a foreclosure avoidance counselor on the HUD.gov website 
Remember, there is no charge to work with a HUD-approved counseling agency—help is free!