Free counseling for homeowners and renters facing hardships

If you are struggling to make your monthly rent or mortgage payments due to a financial hardship or a disaster that damaged your home, a housing counselor can help you make a plan for recovery. They will help guide conversations with creditors, landlords, and mortgage servicers, connect you with any relevant aid available, and offer expert advice for getting back on your feet.

No. Working with a housing counselor is free for homeowners and renters.

It is best to get ahead of the process. As soon as you miss a payment or think you may miss a payment, talking to a housing counselor is a good first step.

The first session usually lasts between 45 and 90 minutes. Follow-ups can be shorter or longer depending on what you need.

No, housing counselors do not give out money or financial aid. They can help with applications, talk to creditors, and connect you to other resources that may be able to provide financial aid.

Yes. If you’re experiencing a hardship or a disaster has impacted your home, you might qualify for things like a temporary pause in payments (called a forbearance), changes in your loan, or other support.

A housing counselor can explain your options. They’ll work with you to make a plan that fits your situation.

Find more information on how to stay in your home.