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.
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.
