What do housing counselors do

Searches are limited to 50 characters. Please do not share any personally identifiable information PII , including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature. Skip to main content. Don't see what you're looking for?

What's that? Learn more about mortgages. Search online for a housing counseling agency near you, or call HUD's interactive voice system at: If you are facing foreclosure and want the assistance of a housing counselor, search the list of Foreclosure Avoidance Counselors or visit the Making Home Affordable program Q for Borrowers.

If you would like to talk to a reverse mortgage counselor, please search here. Foreclosure prevention counseling and homeless counseling services are available free of charge through HUD's Housing Counseling Program. Housing Counseling agencies participating in HUD's Housing Counseling Program are not permitted to charge consumers for these specific housing counseling services.

If the counseling is to help you avoid foreclosure or homelessness, the service is free. For all other types of counseling, there may be a reasonable fee; however fees may be waived for clients who are unable to pay. Bank statements for the last three months. Documentation of your monthly expenses.

Documentation of any paid judgments or collections. Also bring the following if you need foreclosure prevention counseling: Documentation of all communications from your mortgage servicer. Copy of a recent mortgage statement. Explanation of your inability to make mortgage payments. What type of housing counselor do you need? Pre-purchase counselors can help you determine if you are really ready to buy a home, and how much you can afford, by reviewing your budget, spending, savings and credit.

They also help seniors understand the requirements of reverse mortgages.