HUD-Certified

Foreclosure Prevention

Nonprofit

Facing Foreclosure? Get expert housing guidance

Foreclosure can feel overwhelming, but facing it doesn’t have to mean facing it alone. HUD-certified housing counselors are here to guide you through every step, offering tailored solutions that fit your unique financial needs. Begin taking proactive steps today to protect your home, secure your future, and rebuild financial security.

HUD-certified housing counseling to help you make informed home buying decisions.

HUD-Approved Housing Counseling Agency

NFCC Member

501(c)(3) Nonprofit

Your path forward

Your path to

housing stability begins here

Expert, judgment-free guidance designed to help you understand your situation, explore every option, and take decisive action to protect your home.
  • Recognize the Risk and Get Ahead of It

    Understand where you stand in the foreclosure timeline, what your lender is required to do, and what protections are available to you under state and federal law. Early awareness creates the space you need to act.
  • Explore Every Option With a HUD-Certified Housing Counselor

    Your counselor will walk you through loan modification, forbearance, repayment plans, and other workout options so you can make informed decisions with professional support, not lender pressure.
  • Walk Away With a Real Action
    Plan

    Leave your session with a clear step-by-step plan built for your situation. You will know exactly what to do next, who to contact, and how to keep moving toward housing stability with ongoing support behind you.
Your journey

Step-by-step

Foreclosure Counseling process

A structured process designed to help you understand your situation, exploreavailable options, and create a realistic path toward housing stability.
  • Step 01

    Start With a Free Foreclosure Counseling Session

    Speak with a HUD-certified housing counselor to review your mortgage situation, discuss your concerns,and begin identifying possible options to prevent or respond to foreclosure.
  • Step 02

    Assess Your Situation and Identify Your Best Next Step

    We'll help you review your current mortgage status, lender notices, key deadlines, and possible next steps so you understand your optionsand can take action with greater confidence.
  • Step 03

    Explore Options to Help You Move Forward

    Our counselors will help you understand which options may be available and what steps to take next, based on your mortgage status, household budget, lender requirements, and foreclosure timeline.
  • Step 04

    Receive Resources, Referrals, and Follow-Up Support

    You'll receive a personalized action plan, helpful housing resources, referrals when appropriate, and guidance to help you communicatewith your lender, avoid scams, and work toward long-term financial stability.
  • Start Your Foreclosure Counseling

    Get expert guidance to protect your home.

100% Free

No Obligation

No Pressure

Why act now

Benefits of  
Foreclosure Prevention Counseling

Expert guidance can make all the difference when facing foreclosure. Our counselors are here to help you navigate every option.

Reach Out Early

The sooner you contact us, the more options you may have. Early support can help you understand your situation,respond to important deadlines, and take action before options become more limited.

Understand Your Rights

Learn about important borrower protections, lender notice requirements, foreclosure timelines, and resources that may be available in your state.

Receive Support Without Judgement

Facing foreclosure can feel overwhelming. Our HUD-certified housing counselors provide compassionate, respectful guidance to help you understand your options and take the next step.

Get Organized for Your Next Step

We help you understand what information your mortgage servicer may request and how to stay organized as you gather documents, track communications, and respond to important deadlines.

Communicate With Your Mortgage Servicer

Learn how to contact your servicer, what questions to ask, what information to provide, and how to stay organized throughout the process.

Work Toward Long-Term Housing Stability

Beyond the immediate foreclosure concern, we help you create a realistic plan to strengthen your budget, manage housing costs, and move toward greater financial stability.
Tools & resources

Resources to help you
stay informed

Access free guides, templates, and
educational resources to navigate the foreclosure prevention process.

Financial Tools & Resources

Financial tools and trusted resources that help homeowners understand their options, avoid foreclosure, and protect their home.
Access

Budget Allocation Breakdown

Create a detailed household budget to understand your full financial picture and identify savings opportunities.
Download

Budget Calculator

Take control of your money with our free Budget Calculator and see how simple changes can help you save more and reach your financial goals
Access

Client Documents

Printable documents to gather before your counseling session for maximum efficiency.
Download
Need Personalized Support?

Talk to a HUD-certified housing counselor for expert guidance.

Financial tools

Explore reverse mortgage estimates with guidance

Use our educational calculator to better understand how home value, available equity, interest rates, and loan costs may affect a reverse mortgage estimate. These numbers are examples only and should be reviewed with a certified housing counselor.

  • Smart Retirement Planning

    See how a reverse mortgage could impact your long-term financial security and provide extra cash flow when you need it most.
  • Clear Financial Insights

    Understand how much equity you can access and how it could supplement your retirement income.
  • Personalized Loan Estimates

    Get a tailored breakdown of potential loan amounts, interest rates, and repayment scenarios based on your home's value.
Explore Educational Calculator

Always Free

No Obligation

Confidential

For Educational Guidance

  • Estimated Home Value

    Based on market data
$425,000
Sample estimate - actual values vary

Estimated Available Equity

~$210,000

Estimated Monthly Payment Option

~$1,050

Interest Rate Range

6.5% - 7.2%
These are sample estimates for illustration only. Speak with a certified counselor for accurate figures based on your situation.
Want personalized guidance?

Speak with a certified housing counselor to review your situation, questions, and next steps.

Common questions

Foreclosure Counseling FAQs

Answers to the most common questions about foreclosure prevention counseling.
What Can I Do if I'm Struggling to Pay My Mortgage?

We'll walk you through options like forbearance, loan modification, short sale, or refinance, and help you build a plan with budgeting and support programs.

Can You Help Stop or Prevent Foreclosure on My Home?

We can't stop a legal foreclosure, but you may still have options. Speak with a HUD-certified housing counselor now to explore possible ways to keep your home.

Is There a Fee for Foreclosure Counseling Services?

No cost, no catch. Foreclosure prevention counseling is completely free and designed to help you get the support you need without added financial stress.

How Soon Should I Get Help if I'm Behind on Mortgage Payments?

Don't wait. The sooner you reach out, the more options may be available. Early help can make the difference between keeping or losing your home.

What Is a Forbearance and How Does It Work?

A forbearance temporarily reduces or suspends your mortgage payments while you recover financially. Your counselor can help you understand if you qualify, how to apply, and what repayment options will follow.

What Happens After My Counseling Session Ends?

You leave with a clear action plan and ongoing support. Your counselor will help you coordinate with your lender, track deadlines, and provide follow-up guidance to keep you moving toward housing stability.

Do not wait. Get help today.

The sooner you reach out, the more options are available.
Take the next step

Do not face foreclosure alone.
Get expert help today.

Speak with a HUD-certified housing counselor for personalized foreclosure prevention guidance. No judgment, no lender pressure — just clear answers.

Private & confidential

Educational guidance

HUD-approved agency

No lender sales pressure

50,000+
People helped yearly
Trusted guidance from certified housing counselors
50+
Years of experience
Helping homeowners make confident, informed decisions
4.9/5
Client satisfaction
Based on thousands of counseling sessions