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 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 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 approach designed to give you clarity, options, and a realistic path to housing stability.
  • Step 01

    Start With a Free Foreclosure Counseling Session to Save Your Home

    Speak with a HUD-certified counselor right away to review your mortgage status, explain your rights, and explore all available options to stop or prevent foreclosure.
  • Step 02

    Review Your Mortgage, Missed Payments, and Foreclosure Timeline

    We'll help you understand your lender's process, how far along you are, and what legal protections or workout options may still be available, even if time is limited.
  • Step 03

    Explore Loan Modifications, Forbearance, or Repayment Solutions

    Your counselor will work with you to create a plan, whether through loan modification, forbearance, or emergency relief, to help you keep your home or exit with stability.
  • Step 04

    Get Support, Legal Resources, and Guidance to Avoid Eviction

    You'll receive housing resources, legal aid referrals, and follow-up support to help prevent eviction, protect your family, and rebuild your financial foundation.
  • 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.

Act Before It Is Too Late

The sooner you reach out, the more options are available. Early intervention can make the difference between keeping and losing your home.

Know Your Legal Rights

Understand your rights under state and federal foreclosure laws, including notice requirements, redemption periods, and consumer protections.

Compassionate Support

Our counselors understand the stress of facing foreclosure. You will receive judgment-free, compassionate guidance every step of the way.

Document Preparation Help

We help you organize and prepare the
documentation your lender requires for loan modification, forbearance, or other resolution options.

Lender Negotiation Guidance

Learn how to communicate effectively with your mortgage servicer and what to ask for to get the best possible outcome.

Long-Term Housing Stability

Beyond immediate foreclosure prevention, we help you build a sustainable plan to stay in your home for the long term.
Tools & resources

Resources to help you
stay Informed

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

Tools and Resources

A comprehensive booklet explaining the foreclosure process, your rights, and all resolution options.
Free download

Budget Allocation Breakdown

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

Budget Calculator

Ready-to-use letters and phone scripts to help you communicate confidently with your mortgage servicer.
Ready to use

Client Documents

A printable checklist of documents to gather before your counseling session for maximum efficiency.
Printable
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 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