Whether you are renting, buying, or facing foreclosure, HUD-approved housing counselors provide free, unbiased advice. They work for you, not for lenders or landlords.
What HUD Housing Counseling Offers
HUD-approved housing counseling agencies provide free or low-cost guidance on a wide range of housing topics. Counselors are trained, certified professionals who help you understand your options and make informed decisions — without trying to sell you anything.
Types of Housing Counseling
- Rental counseling: Help understanding lease terms, tenant rights, and finding affordable housing
- Pre-purchase counseling: Guidance for first-time homebuyers on budgeting, mortgage options, and the buying process
- Foreclosure prevention: Help negotiating with lenders, understanding loss mitigation options, and avoiding scams
- Reverse mortgage counseling: Required before obtaining a reverse mortgage — explains risks, costs, and alternatives
- Post-purchase counseling: Ongoing help with budgeting, home maintenance, and avoiding default
How to Find a HUD-Approved Agency
Step 1: Visit the HUD Housing Counselor search tool at hud.gov or call HUD’s hotline at 1-800-569-4287.
Step 2: Enter your ZIP code and select the type of counseling you need.
Step 3: Contact the agency to schedule an appointment. Many offer both in-person and phone/video sessions.
Beware of scams. Legitimate HUD-approved counselors will never ask for large upfront fees or guarantee specific outcomes. If someone charges hundreds of dollars or promises to “save your home,” it is likely a scam. Always verify the agency at hud.gov.
What to Expect at a Counseling Session
A typical session lasts 60-90 minutes. The counselor will review your financial situation, explain your options, and help you create an action plan. For foreclosure prevention, they may contact your lender on your behalf to discuss workout options.
Bring documentation including income verification, bank statements, your mortgage statement or lease, and any correspondence from your lender or landlord.
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Relief Resource Center may receive compensation when you use links or tools on this page. All programs listed are subject to eligibility requirements and availability. This page is for informational purposes only and does not constitute legal, financial, or medical advice.