General education. Verify dates with your servicer, court, or attorney.
Foreclosure.how

Free expert help

A HUD-approved housing counselor can help you prepare.

Counselors can help explain options, organize a plan, and work with your mortgage company. Foreclosure-prevention counseling should not require an upfront rescue fee.

A housing counselor and homeowner review a simple checklist together.

What to ask for

  • A review of your stage, deadlines, budget, and available loss-mitigation paths.
  • Help preparing a complete application and communicating with the servicer.
  • A clear explanation of what the counselor can and cannot do.

How to find one

  • Use the CFPB counselor finder, which is powered by HUD's official list.
  • Call HUD at (800) 569-4287 and enter your ZIP code.
  • If a sale is scheduled, say so at the beginning of the call.