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Housing Counseling Agencies & Their Role

Understanding how HUD-approved agencies can guide your housing journey

Navigating the complexities of buying a home, renting, avoiding foreclosure, or managing credit can be daunting. Fortunately, there's a network of HUD-approved housing counseling agencies across the country dedicated to providing guidance and support...

Services Offered

Agencies provide a wide range of tailored services, including:

  • Homebuyer Education
  • Financial Management & Budget Counseling
  • Mortgage Delinquency & Default Resolution
  • Rental Housing Counseling
  • Reverse Mortgage Counseling
  • Homelessness Assistance

Key Benefits

Working with a HUD-approved counselor offers:

  • Expertise & Unbiased Advice
  • Accessibility (Free or Low-Cost)
  • Empowerment & Confidence
  • Knowledge of Local Programs

How to Find an Agency

  1. Use the official HUD Find A Counselor tool.
  2. Browse our Housing Counseling Agencies List by State.
  3. Contact agencies directly to confirm services.
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Making the Most of Counseling

Be Prepared

Gather relevant financial documents (income proof, debts, budget) before your appointment.

Ask Questions

Don't hesitate to ask for clarification on anything you don't understand.

Be Honest

Provide accurate information about your financial situation for the best advice.

Follow Through

Implement the action plan created with your counselor and attend follow-up sessions.

A housing counseling agency can be an invaluable resource on your path to stable housing.

Find Housing Counseling Agencies Near You

The federal Fair Housing Act prohibits discrimination in housing because of race, color, national origin, religion, familial status, gender, and disability. The Fair Housing Act ensures that all persons receive equal housing opportunity. For more information about the Fair Housing Act and your rights, visit the Department of Housing and Urban Development .