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Housing Counseling Agencies & Their Role (2026)

Learn how HUD-approved housing counseling agencies provide free expert guidance for homebuyers, renters, and those facing foreclosure. Find a counselor near you and understand their services.

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

Frequently Asked Questions

Yes, most HUD-approved housing counseling services are free or very low-cost. HUD provides funding to these agencies specifically to ensure services are accessible to everyone. Some specialized services may have nominal fees, but financial assistance may be available. Before your appointment, ask about any costs and whether fee waivers are available based on your income level.

Related Resources

Find Counselors

Browse HUD-approved counseling agencies by state

Apply for Housing

Step-by-step public housing application guide

Open Waiting Lists

PHAs currently accepting applications

Last updated: January 15, 2025

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 .