Free Counseling · Foreclosure · VA Loan Default · Pre-Purchase
HUD-Approved Housing Counselors
4,800+ HUD-approved housing counseling agencies indexed. These agencies provide FREE counseling on foreclosure prevention, VA loan default, reverse mortgages, pre-purchase planning, rental issues, and predatory lending. Critical resource for vets in housing crisis or considering a VA home loan.
4,847 programs listed across 55 states and territories.
Veterans have elevated VA loan default + foreclosure risk because VA loans require no down payment. A HUD counselor can help you negotiate with your servicer BEFORE missing a payment — once you're 90+ days behind, options narrow rapidly.
Eligibility
- Open to anyone — no veteran status required to use the service.
- Counseling sessions are free (some agencies charge for specific products like credit reports — ask first).
- Languages: most agencies offer at least English + Spanish.
Coverage by state
| State | Listed |
|---|---|
| California | 434 |
| Florida | 316 |
| Texas | 273 |
| New York | 216 |
| Michigan | 204 |
| Ohio | 193 |
| Pennsylvania | 188 |
| Illinois | 175 |
| Georgia | 172 |
| Virginia | 154 |
| North Carolina | 149 |
| New Jersey | 145 |
| Kentucky | 144 |
| Louisiana | 120 |
| Maryland | 109 |
| Massachusetts | 99 |
| Tennessee | 99 |
| Washington | 96 |
| Minnesota | 91 |
| Alabama | 89 |
| Missouri | 88 |
| Arizona | 83 |
| Colorado | 81 |
| Mississippi | 81 |
| Wisconsin | 81 |
| Indiana | 74 |
| Oklahoma | 59 |
| Oregon | 58 |
| South Carolina | 58 |
| Arkansas | 52 |
| Iowa | 49 |
| Maine | 47 |
| Nevada | 46 |
| Connecticut | 42 |
| New Mexico | 38 |
| Montana | 37 |
| District of Columbia | 35 |
| New Hampshire | 34 |
| Hawaii | 33 |
| Idaho | 32 |
| Kansas | 32 |
| Utah | 29 |
| West Virginia | 28 |
| South Dakota | 27 |
| Vermont | 27 |
| Rhode Island | 26 |
| Nebraska | 22 |
| Delaware | 21 |
| North Dakota | 18 |
| Puerto Rico | 18 |
| Wyoming | 11 |
| Alaska | 8 |
| Guam | 3 |
| U.S. Virgin Islands | 2 |
| Northern Mariana Islands | 1 |
Featured programs
HUMAN RESOURCE DEVELOPMENT CORP - HENRY COUNTY
205 East Washington Street, ABBEVILLE, AL 36310
ORGANIZED COMMUNITY ACTION PROGRAMS INC - COVINGTON COUNTY
242 Hillcrest Drive, ANDALUSIA, AL 36420
ALABAMA COUNCIL ON HUMAN RELATIONS, INC
319 W. Glenn Ave., AUBURN, AL 36830
BIRMINGHAM HOMEOWNERSHIP CENTER
4117 Second Avenue, South, BIRMINGHAM, AL 35222
GATEWAY FINANCIAL FREEDOM/CCCS OF CENTRAL ALABAMA
1401 20th St S, Suite 100, BIRMINGHAM, AL 35205
HISPANIC INTEREST COALITION OF ALABAMA
117 S Crest Dr, Birmingham, AL 35209
JEFFERSON COUNTY COMMITTEE FOR ECONOMIC OPPORTUNITY
801 46th Street North, BIRMINGHAM, AL 35212
JEFFERSON COUNTY HOUSING AUTHORITY
3700 Industrial Parkway, BIRMINGHAM, AL 35217
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) BIRMINGHAM, AL
529 Beacon Pkwy W Ste 204, Birmingham, AL 35209
NEIGHBORHOOD HOUSING SERVICES OF BIRMINGHAM, INC.
601 19th St N, Birmingham, AL 35203
NID-HCA SLAUGHTER
4817 Jefferson Avenue, SW, Second Floor, BIRMINGHAM, AL 35221
OPERATION HOPE - BIRMINGHAM BRANCH
941 20th Street South, BIRMINGHAM, AL 35205
COMMUNITY SERVICE PROGRAMS OF WEST ALABAMA - BIBB COUNTY
200 Second Street, CENTREVILLE, AL 35042
COMMUNITY ACTION PARTNERSHIP OF NORTH ALABAMA - CULLMAN BRANCH
107 2nd Ave, NE, CULLMAN, AL 35055
COMMUNITY ACTION AGENCY OF SOUTH ALABAMA
26440 Pollard Road, DAPHNE, AL 36526
COMMUNITY ACTION PARTNERSHIP OF NORTH ALABAMA, INC.
1909 Central Pkwy SW, Decatur, AL 35601
HUMAN RESOURCE DEVELOPMENT CORP - HOMEOWNERSHIP CENTER
601 North Saint Andrews St, DOTHAN, AL 36303
SOUTHEAST ALABAMA COMMUNITY ACTION PARTNERSHIP
100 George Wallace Drive, ENTERPRISE, AL 36330
HUMAN RESOURCE DEVELOPMENT CORP - BARBOUR COUNTY
1347 South Eufaula Ave. Suite G, EUFAULA, AL 36027
COMMUNITY SERVICE PROGRAMS OF WEST ALABAMA - GREENE COUNTY
116 Prairie Ave., EUTAW, AL 35462
ECUMENICAL MIN. OF BALDWIN CO. INC. (BC HOPE)
564 Fairhope Ave., FAIRHOPE, AL 36532
COMMUNITY SERVICE PROGRAMS OF WEST ALABAMA - FAYETTE COUNTY
316 Second Avenue, Northeast, FAYETTE, AL 35555
COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA, INC.
745 Thompson St, Florence, AL 35630
OPERATION HOPE - FLORENCE ALABAMA - BRANCH
201 S Court St, Florence, AL 35630
COMMUNITY SERVICE PROGRAMS OF WEST ALABAMA - HALE COUNTY
360 County Road 19, GREENSBORO, AL 36744
HALE EMPOWERMENT AND REVITALIZATION ORGANIZATION (HERO)
1120 Main St, Greensboro, AL 36744
ORGANIZED COMMUNITY ACTION PROGRAMS INC - BUTLER COUNTY
204 School Highland Road, GREENVILLE, AL 36037
ORGANIZED COMMUNITY ACTION PROGRAMS INC - LOWNDES COUNTY
506 Montgomery Hwy, HAYNEVILLE, AL 36040
ALABAMA A&M UNIVERSITY COMMUNITY DEVELOPMENT
2317 Meridian Street NE Suite 3400 B, HUNTSVILLE, AL 35811
COMMUNITY ACTION PARTNERSHIP, HUNTSVILLE/MADISON & LIMESTONE COUNTIES, INC
PO Box 3975, Huntsville, AL 35810
FAMILY SERVICES CENTER, INC.
4092 Memorial Pkwy SW Ste 205, Huntsville, AL 35802
HABITAT FOR HUMANITY OF MADISON COUNTY
400 Pratt Avenue NW, HUNTSVILLE, AL 35801
Showing first 50 of 4,847 listed. Search the full directory →