If you're struggling to make mortgage payments or facing foreclosure, free HUD housing counseling can provide you with the guidance and support you need to get back on track. With a network of approved agencies across the country, you can access expert advice and resources to help you navigate the complex world of housing finance. HUD housing counseling services are designed to help homeowners like you make informed decisions about their financial situation and explore available options for avoiding foreclosure.
Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026
The Direct Answer
HUD housing counseling services are free and cover a range of topics, including budgeting, credit counseling, and loan modification. These services are designed to help homeowners understand their options and make informed decisions about their financial situation.
To find a HUD-approved housing counseling agency near you, you can visit the HUD website or call their toll-free hotline. You can also ask about specific services and programs, such as the Homeowner Assistance Fund (HAF) and FHA Title I, which may be available to help you avoid foreclosure or manage debt.
Be wary of scams that promise to provide housing counseling services for a fee - legitimate HUD-approved agencies will never charge you for their services, so be sure to research and verify the agency's credentials before seeking their help.
How HUD Housing Counseling Works
Eligibility and Services
HUD housing counseling agencies provide free services to homeowners who are struggling to make mortgage payments or facing foreclosure. To be eligible, you'll typically need to provide financial information and documentation, such as income statements and mortgage documents. Once you're approved, you'll work with a certified housing counselor to develop a personalized plan to address your financial situation.
Services may include budgeting and credit counseling, loan modification and refinancing options, and guidance on avoiding foreclosure and managing debt. Your counselor will also help you understand your options and make informed decisions about your financial situation.
Benefits of HUD Housing Counseling
Expert Guidance and Support
Working with a HUD-approved housing counseling agency can provide you with expert guidance and support as you navigate the complex world of housing finance. Your counselor will help you understand your options and develop a personalized plan to address your financial situation, which can include exploring available programs and resources, such as the Homeowner Assistance Fund (HAF) and FHA Title I.
With HUD housing counseling, you'll also gain access to a network of resources and support, including non-profit credit counseling agencies and government programs designed to help homeowners like you avoid foreclosure and manage debt.
Finding a HUD-Approved Agency
To find a HUD-approved housing counseling agency near you, you can visit the HUD website or call their toll-free hotline. You can also ask about specific services and programs, such as the Homeowner Assistance Fund (HAF) and FHA Title I, which may be available to help you avoid foreclosure or manage debt.
When searching for an agency, be sure to research and verify their credentials to ensure they are legitimate and HUD-approved. You can also check for reviews and testimonials from other homeowners who have used their services.
Get Free HUD Housing Counseling
Take the first step towards avoiding foreclosure and managing debt by finding a HUD-approved housing counseling agency near you. With expert guidance and support, you can develop a personalized plan to address your financial situation and explore available options for getting back on track.
What services do HUD housing counseling agencies provide?
HUD housing counseling agencies provide a range of services, including budgeting and credit counseling, loan modification and refinancing options, and guidance on avoiding foreclosure and managing debt. They can also help you understand your options and make informed decisions about your financial situation.
How do I find a HUD-approved housing counseling agency near me?
You can find a HUD-approved housing counseling agency near you by visiting the HUD website or calling their toll-free hotline. You can also ask about specific services and programs, such as the Homeowner Assistance Fund (HAF) and FHA Title I, which may be available to help you avoid foreclosure or manage debt.
Are HUD housing counseling services really free?
Yes, HUD housing counseling services are free. Legitimate HUD-approved agencies will never charge you for their services, so be sure to research and verify the agency's credentials before seeking their help. Be wary of scams that promise to provide housing counseling services for a fee.
What kind of documentation do I need to provide to get started with HUD housing counseling?
To get started with HUD housing counseling, you'll typically need to provide financial information and documentation, such as income statements and mortgage documents. Your counselor will work with you to develop a personalized plan to address your financial situation, and may require additional documentation to explore available options and resources.