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Homeowner Counseling Services

Advice to help you stay in your home. If you are experiencing a financial hardship, homeowner counseling services can help you set a budget, find local resources and decide which options might be best for you.

U.S. Department of Housing and Urban Development (HUD)

HUD is a U.S. government agency that works to increase home ownership, supports homebuyers, and offers government help for homeowners. HUD offers free or low-cost foreclosure prevention counseling throughout the country.

To find out where the nearest counseling agency is in your area, please visit or call toll free, 1.800.569.4287 for more information.

HOPE NOW Alliance

HOPE NOW is an alliance between counselors, mortgage companies and investors to create a unified, coordinated plan to reach and help homeowners facing financial hardship.

  • HOPE NOW Alliance counseling organizations provide borrowers with in-depth debt management, credit counseling and overall foreclosure counseling
  • all counselors affiliated with the HOPE NOW Alliance are HUD-certified and their services are free of charge
  • an independent, non-profit counselor can help you understand your situation, identify your options and help you work with your mortgage company to hopefully find an alternative to foreclosure

For more information about help for homeowners, visit or call the HOPE Hotline: 1.888.995.HOPE (1.888.995.4673).