HUD-Approved Housing Counselors
1,323 organizations across 51 states. Free, confidential counseling from agencies approved by the U.S. Department of Housing and Urban Development.
About This Category
HUD-approved housing counseling agencies have met federal standards for providing assistance with mortgage delinquency and default resolution, pre-purchase counseling, reverse mortgage counseling, rental counseling, and homeless assistance. Counselors can review your financial situation, help you understand your options, communicate with your mortgage servicer on your behalf, and develop an action plan.
Certification
Each agency is certified by HUD under the Housing Counseling Program (24 CFR Part 214). Counselors must pass a HUD-approved examination and complete continuing education. All counseling is provided at no cost to the homeowner.
Who Should Use This
Anyone behind on mortgage payments, facing foreclosure, considering a reverse mortgage, preparing to buy a home, or dealing with rental housing issues. HUD counselors are especially valuable early — before you miss payments or receive a foreclosure notice.
Jump to State
Alabama (23)
BIRMINGHAM URBAN LEAGUE, INC.
CCCS OF MOBILE
COMMUNITY ACTION AGENCY OF NORTHEAST ALABAMA, INC.
UNITED WAY OF CENTRAL ALABAMA, INC.
Alaska (1)
Arizona (19)
TAKE CHARGE AMERICA
TAKE CHARGE AMERICA- EL CENTRO
UNIDOSUS COUNSELING CONNECTION (UCC)
WESTERN ARIZONA COUNCIL OF GOVERNMENTS (WACOG)
Arkansas (13)
COMMUNITY RESOURCES TECHNICIANS, INC.
California (82)
CENTRO FAMILIA ESPERANZA
COMMUNITY HOUSING COUNCIL OF FRESNO
FAITH AND COMMUNITY EMPOWERMENT FORMERLY KOREAN CHURCHES FOR COMMUNITY DEVELOPMENT
HABITAT FOR HUMANITY, STANISLAUS COUNTY
INLAND EMPIRE RESOURCE CENTER
KOREAN COMMUNITY SERVICES
ORANGE COUNTY COMMUNITY HOUSING CORPORATION
PROJECT SENTINEL
SELF HELP ENTERPRISES
SOUTHWEST FRESNO DEVELOPMENT CORP
VISIONARY HOME BUILDERS OF CALIFORNIA
WEST ANGELES COMMUNITY DEVELOPMENT CORP.
Colorado (21)
HOUSING RESOURCES OF WESTERN COLORADO
HOUSING SOLUTIONS FOR THE SOUTHWEST
THE COMMUNITY FIRM DBA COMMUNITY ECONOMIC DEFENSE PROJECT CEDP
Connecticut (14)
BRIDGEPORT NEIGHBORHOOD TRUST
COMMUNITY RENEWAL TEAM, INC.
Delaware (11)
FIRST STATE COMMUNITY ACTION AGENCY, INC
HOUSING OPPORTUNITIES OF NORTHERN DELAWARE, INC.
INTERFAITH COMMUNITY HOUSING OF DELAWARE
District of Columbia (17)
CENTRO DE APOYO FAMILIAR (CAF)-DC
UNIVERSITY LEGAL SERVICES
Florida (90)
AFFORDABLE HOMEOWNERSHIP FOUNDATION INC
CITY OF PANAMA CITY COMMUNITY DEVELOPMENT CORPORATION
CLEARWATER NEIGHBORHOOD HOUSING SERVICES, INC.
CONSUMER DEBT COUNSELORS, INC
DEBT MANAGEMENT CREDIT COUNSELING CORP
GATEWAY TO HOUSING
HOUSING PARTNERSHIP, INC.
NEIGHBORHOOD HOUSING & DEVELOPMENT CORPORATION
OPA-LOCKA COMMUNITY DEVELOPMENT CORPORATION
ROOTED COMMUNITIES, INC.
SOLITA'S HOUSE INC
TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS
TRINITY EMPOWERMENT CONSORTIUM, INC.
WE HELP COMMUNITIES TO DEVELOP CORPORATION
Georgia (39)
CCCS OF THE SAVANNAH AREA, INC.
CITY OF ALBANY, GEORGIA
D&E, A HOUSING & ECONOMIC EMPOWERMENT CENTER, INC. (D&E GROUP)
GEORGIA HOUSING AND FINANCE AUTHORITY
TOTALLY FREE, INC.
URBAN LEAGUE OF GREATER COLUMBUS, INC
Hawaii (16)
HABITAT FOR HUMANITY MAUI, INC
Idaho (10)
DEBT REDUCTION SERVICES, INC. DBA MONEY FIT
NEIGHBORHOOD HOUSING SERVICES INC DBA NEIGHBORWORKS BOISE
Illinois (81)
ACCESS LIVING OF METROPOLITAN CHICAGO
C.E.F.S. ECONOMIC OPPORTUNITY CORPORATION
CENTER FOR CHANGING LIVES
COMMUNITY INVESTMENT CORPORATION OF DECATUR, INC
CORNERSTONE COMMUNITY DEVELOPMENT CORPORATION, NFP
EMBARRAS RIVER BASIN AGENCY, INC.
ERIE NEIGHBORHOOD HOUSE
HABITAT FOR HUMANITY OF CHAMPAIGN COUNTY
LATIN UNITED COMMUNITY HOUSING ASSOCIATION
NORTHSIDE COMMUNITY DEVELOPMENT CORPORATION
SOUTH SUBURBAN HOUSING CENTER
SPANISH COALITION FOR HOUSING
SPRINGFIELD HOUSING AUTHORITY
WESTERN EGYPTIAN ECONOMIC OPPORTUNITY COUNCIL, INC.
YWCA METROPOLITAN CHICAGO
Indiana (22)
COMMUNITY ACTION PROGRAM OF EVANSVILLE & VANDERBURGH COUNTY, INC
HOUSING OPPORTUNITIES, INC dba CoACTION
Lafayette Neighborhood Housing Services, Inc DBA Homestead Resources
NEW ALBANY HOUSING AUTHORITY
NORTHWEST INDIANA REINVESTMENT ALLIANCE
Iowa (11)
CATHOLIC CHARITIES OF THE ARCHDIOCESE OF DUBUQUE
CCCS OF ROCHESTER-NORTHEASTERN IOWA
HORIZONS, A FAMILY SERVICE ALLIANCE (HORIZONS CCCS)
Kansas (3)
Kentucky (20)
CAMPBELLSVILLE HOUSING AND REDEVELOPMENT AUTHORITY
KENTUCKY LEGAL AID
LEGAL AID OF THE BLUEGRASS
LIVE THE DREAM DEVELOPMENT, INC
REACH, INC.
Louisiana (27)
CALCASIEU PARISH HOUSING COUNSELING AGENCY
CATHOLIC CHARITIES OF NORTH LOUISIANA
MID CITY REDEVELOPMENT ALLIANCE
MULTI-CULTURAL DEVELOPMENT CENTER HOUSING COUNSELING AGENCY (MCDC)
URBAN RESTORATION ENHANCEMENT CORPORATION
Maine (7)
Maryland (41)
ANNE ARUNDEL COUNTY COMMUNITY ACTION AGENCY, INCORPORATED
GARWYN OAKS NORTHWEST HOUSING RESOURCE CENTER, INC
HARBEL HOUSING PARTNERSHIP ( A DIVISION OF HARBEL COMMUNITY ORGANIZATION, INC.)
Harford County, Maryland
HOUSING OPTIONS & PLANNING ENTERPRISES, INC.
NORTH EAST HOUSING INITIATIVE INC
UNITED COMMUNITIES AGAINST POVERTY
Massachusetts (37)
ASIAN COMMUNITY DEVELOPMENT CORPORATION
FINANCIAL EDUCATION ASSOCIATES, INC.
MERRIMACK VALLEY HOUSING PARTNERSHIP
RCAP SOLUTIONS, INC.
Michigan (56)
BLUE WATER COMMUNITY ACTION AGENCY
COMMUNITY HOUSING NETWORK, INC
H.O.M.E. OF MACKINAC COUNTY
HOUSING SERVICES MID MICHIGAN
MICHIGAN STATE UNIVERSITY EXTENSION - CLARE C
MICHIGAN STATE UNIVERSITY EXTENSION SERVICE -WAYNE DETROIT
MICHIGAN STATE UNIVERSITY EXTENSION SERVICES
MICHIGAN STATE UNIVERSITY EXTENSION- GRAND RAPIDS KENT COUNTY
TRUENORTH COMMUNITY SERVICES
WAYNE COUNTY NEIGHBORHOOD LEGAL SERVICES MICHIGAN dba NEIGHBORHOOD LEGAL SERVICES MICHIGAN
WAYNE METROPOLITAN COMMUNITY ACTION AGENCY
Minnesota (33)
BUILD WEALTH MINNESOTA, INC
Mississippi (15)
Missouri (18)
HABITAT FOR HUMANITY OF KANSAS CITY
LOVE COLUMBIA
Montana (11)
DISTRICT 7 HUMAN RESOURCES DEVELOPMENT COUNCIL
HEADWATERS RC&D AREA, INC.
HOMEWORD, INC.
HUMAN RESOURCE DEVELOPMENT COUNCIL OF DISTRICT IX, INC.
NEIGHBORWORKS GREAT FALLS
RURAL DYNAMICS, INC. DBA CCCS OF MT
Nebraska (7)
BLUE VALLEY COMMUNITY ACTION PARTNERSHIP
FAMILY HOUSING ADVISORY SERVICES, INC.
HIGH PLAINS COMMUNITY DEVELOPMENT CORPORATION
Nevada (8)
CHICANOS POR LA CAUSA INC.
NEVADA PARTNERS, INC.
New Hampshire (5)
New Jersey (33)
NEIGHBORHOODS FOR A SUSTAINABLE FUTURE fka NHS of Staten Island
PUERTO RICAN ASSOCIATION FOR HUMAN DEVELOPMENT, INC.
New Mexico (5)
HOMEWISE, INC.
HOMEWISE, INC.
SOUTHWEST NEIGHBORHOOD HOUSING SERVICES, INC.
UNITED SOUTH BROADWAY CORPORATION
New York (90)
ALBANY COUNTY RURAL HOUSING ALLIANCE, INC.
BETTER COMMUNITY NEIGHBORHOODS, INC. (formerly Better Neighborhoods, Inc.)
CCCS OF ROCHESTER-HOME OFFICE
CENTRAL ISLIP CIVIC COUNCIL, INC.
CHAUTAUQUA HOME REHABILITATION AND IMPROVEMENT CORP. (CHRIC)
CHAUTAUQUA OPPORTUNITIES, INCORPORATED
COMMUNITY HOUSING INNOVATIONS, INC
DELAWARE OPPORTUNITIES, INCORPORATED
GALVAN HOUSING RESOURCES, INC.
HUMAN DEVELOPMENT SERVICES OF WESTCHESTER, INC.
KEUKA HOUSING COUNCIL
LONG ISLAND HOUSING SERVICES, INCORPORATED
NEIGHBORHOOD HOUSING SERVICES OF JAMAICA
NEIGHBORHOODS FOR A SUSTAINABLE FUTURE fka NHS of Staten Island
NORTH FORK HOUSING ALLIANCE, INCORPORATED
Parachute Credit Counseling, Inc.
PRATT AREA COMMUNITY COUNCIL
THE SAFEGUARD GROUP - HOUSING & DEBT ADVISORS
UNHS NEIGHBORWORKS HOMEOWNERSHIP CENTER
North Carolina (54)
CAROLINA COMMUNITY IMPACT INC.
CENTRE FOR HOME OWNERSHIP & ECONOMIC DEVELOPMENT CORPORATION
CITY OF GASTONIA
CITY OF JACKSONVILLE
CLEVELAND COUNTY COMMUNITY DEVELOPMENT CORPORATION
EMPOWERMENT INCORPORATED
Home Solutions
PROSPERITY UNLIMITED, INC
RIVER CITY COMMUNITY DEVELOPMENT CORPORATION
North Dakota (3)
Ohio (50)
BREAKING CHAINS INC
EMPOWERING AND STRENGTHENING OHIO'S PEOPLE (ESOP) DBA BENJAMIN ROSE
HORIZON HOUSING COMMUNITIES DEVELOPMENT FOR OHIO (HHCDO)
LORAIN COUNTY URBAN LEAGUE
SPANISH AMERICAN COMMITTEE
WORKING IN NEIGHBORHOODS
Oklahoma (6)
HOUSING AUTHORITY OF THE CHOCTAW NATION OF OKLAHOMA
Oregon (23)
Pennsylvania (73)
ADVANTAGE CREDIT COUNSELING SERVICE
AFFORDABLE HOUSING CENTER OF PENNSYLVANIA
BASE,INC.
BERKS COMMUNITY ACTION PROGRAM, INC.
BUCKS COUNTY HOUSING GROUP
COMMUNITY ACTION PARTNERSHIP OF MERCER COUNTY
COMMUNITY PROGRESS COUNCIL, INC.
CREDIT COUNSELING CENTER
GENESIS HOUSING CORPORATION
Greater Philadelphia Community Alliance
HOUSING AUTHORITY OF THE COUNTY OF BUTLER
HOUSING DEVELOPMENT CORPORATION OF NORTHEAST
HOUSING PARTNERSHIP OF CHESTER COUNTY
LIBERTY RESOURCES, INC.
SCHUYLKILL COMMUNITY ACTION
SHENANGO VALLEY URBAN LEAGUE
WILLISSAE'S AGENCY FOR VISION AND EMPOWERMENT (WAVE)
Xiente
Rhode Island (5)
South Carolina (13)
CHARLESTON TRIDENT URBAN LEAGUE, INC.
NEW AMERICA CORPORATION
REGENESIS COMMUNITY DEVELOPMENT CORPORATION F/K/A UPSTATE HOUSING PARTNERSHIP
South Dakota (12)
Tennessee (30)
AAA RESIDENTIAL RESOURCES, INC.
CCCS OF ROCHESTER-CHATTANOOGA
CHATTANOOGA NEIGHBORHOOD ENTERPRISE, INC.
CROSSVILLE HOUSING AUTHORITY
EASTERN EIGHT COMMUNITY DEVELOPMENT CORP.
NEW LEVEL COMMUNITY DEVELOPMENT CORPORATION
TENNESSEE HOUSING DEVELOPMENT AGENCY
TENNESSEE HOUSING DEVELOPMENT AGENCY - DIRECT COUNSELING
UNIVERSITY OF TENNESSEE EXTENSION OFFICE
WILLIAM FRANKLIN BUCHANAN CDC
WOODBINE COMMUNITY ORGANIZATION
YOU CAN MAKE IT HOME OWNERSHIP CENTER, INC.
Texas (50)
BCL OF TEXAS (BUSINESS AND COMMUNITY LENDERS)
CATHOLIC CHARITIES OF SOUTHEAST TEXAS
cdcb-come dream.come build.
CITY OF SAN ANTONIO/DEPT OF NEIGHBORHOOD AND HOUSING SERVICES (DNHS)
TENDER LOVING CARE CENTER FOR CHILDREN, DBA LEGACY CDC
Utah (8)
Vermont (8)
Virginia (46)
CENTRO DE APOYO FAMILIAR (CAF)-VA
HAMPTON REDEVELOPMENT AND HOUSING AUTHORITY
HOMENET (Norfolk RHA)
PRINCE WILLIAM COUNTY VIRGINIA COOPERATIVE EXTENSION
PRINCE WILLIAM COUNTY VIRGINIA COOPERATIVE EXTENSION
Washington (16)
West Virginia (8)
RELIGIOUS COALITION FOR COMMUNITY RENEWAL
Wisconsin (22)
CITY OF KENOSHA HOUSING AUTHORITY
LA CASA DE ESPERANZA, INC.
NEIGHBORWORKS BLACKHAWK REGION - NHS OF BELOIT, INC.
Wyoming (1)
Related Resources
Frequently Asked Questions
How much does HUD housing counseling cost?
Nothing. HUD-approved housing counseling is always free to the consumer. Agencies are funded through HUD grants and cannot charge you for their services. If anyone asks you to pay for housing counseling, it may be a scam.
What can a HUD-approved counselor help with?
Counselors can help with mortgage delinquency and default resolution, pre-purchase homebuying guidance, reverse mortgage counseling, rental housing issues, and developing a household budget. They can also communicate directly with your mortgage servicer on your behalf.
How do I find a HUD counselor near me?
This page lists all 1323 HUD-approved agencies in the United States, organized by state. You can also call HUD's national hotline at 1-800-569-4287 to be connected with a counselor near you.
What makes a housing counselor "HUD-approved"?
HUD-approved agencies are certified under the Housing Counseling Program (24 CFR Part 214). Counselors must pass a HUD-approved exam and complete ongoing continuing education. Agencies undergo periodic performance reviews by HUD.
Should I contact a housing counselor before or after missing a payment?
Before. The earlier you contact a counselor, the more options you have. Counselors can help you negotiate with your servicer before delinquency leads to foreclosure. Even if you're already behind, a counselor can still help — but earlier is better.