You can get free mortgage assistance through Fannie Mae’s Mortgage Help Network. You’ll work directly with a HUD-approved counselor who’ll review your situation, explain your options, and communicate with your mortgage company throughout the process. Support is available nationwide by phone in multiple languages.
If you’ve been affected by a disaster, contact our Disaster Response Network to request free help with your mortgage, FEMA claims, insurance claims, and more. Visit our disaster relief page for more information.
A housing counselor can provide expert help with:
- A personalized financial recovery action plan
- Debt relief including bills, credit cards, and mortgage payments
- Applying for local and national assistance programs
- Working with your mortgage servicer
- Ongoing financial coaching for up to 12 months to help ensure a successful recovery
And all of this available at no cost to you.
- A confidential, one-on-one conversation with a trained counselor to review your current situation.
- Be ready to summarize your current hardship and explain why you are having trouble making your mortgage, rent, or other expense payments, and if this is a short-term or long-term concern.
- A personalized action plan to help you meet your goals.
- The counselor will review the options that best position you for success based on the information you provide.
- Regular check-ins for up to 12 months.
- During the check-ins, the counselor will ensure you’re still on track to meet your goals, and provide additional support, resources, and guidance as needed.
Experiencing a financial hardship can put you in a vulnerable position. That’s why it’s so important you get all the answers you need. If your question isn’t answered below, don’t hesitate to call us at 888-431-2337 or submit an appointment request to connect with a HUD-approved housing counselor.
- Is there a cost to use financial recovery counseling?
- No. Thanks to Fannie Mae and Money Management International, financial recovery counseling is provided at no cost.
- When should I connect with a counselor?
- It's best to connect with a counselor as soon as possible if you are worried about your finances. It's best to take action before your financial challenges get worse.
- How do I qualify for free financial recovery counseling?
- Financial counseling is available to anyone who is struggling financially.
- Do you offer financial aid?
- No, but you may be eligible for financial assistance from the federal government through the Homeowner Assistance Fund or American Rescue Plan. Talk to a counselor to learn more.
- How long does a typical counseling session last?
- It varies based on your individual situation, but sessions typically take about an hour. The monthly check-in coaching sessions take as much time as you need, ranging from a few minutes to an hour.
Request an appointment with a counselor
Whether you’re struggling to pay your rent or mortgage, or just need to talk to someone confidentially about your financial situation, we’re here for you.
