Who can apply
['Renters, homeowners and prospective buyers can seek housing counseling. The service is guidance; it does not itself establish eligibility for rental assistance or a mortgage.']What help is available
Counselors help people obtain, sustain and retain housing. Ask the agency which counseling topics it handles and whether it offers appointments by phone, online or in person.
Documents to prepare
Prepare the documents relevant to your question: a lease or mortgage statement, notices, a list of income and expenses, and any deadline. Ask the agency what it needs before sending records.
How to get started
Use HUD’s housing counseling directory or call 800-569-4287 to find an agency.
After applying
Explain any court, foreclosure or eviction deadline when booking. Ask for an agreed action list and clarify fees before accepting services. Counseling does not replace a court response or guarantee a lender will modify a loan.
Website screenshots
These images show the pages captured in August 2026. Website screens and rules may have changed.
Common questions
Will HUD counseling pay my rent?
Counseling provides guidance. Ask the agency about separate assistance programs.
Can renters use the service?
Yes. HUD’s counseling materials include renters as well as homeowners and buyers.
Is every service free?
HUD describes counseling as free or low cost. Confirm any fee with the agency first.
Where can I find a counselor?
Use HUD’s directory or call 800-569-4287.
Sources and review
Historical screenshots: source reference.