Resources

Free, legitimate foreclosure help

You never have to pay for foreclosure help, and the best help is free and government-backed. Here's where to find a real housing counselor, check assistance programs, and avoid the scams that target people who are behind.

Free expert help

Find a HUD-approved housing counselorCFPB's official tool to find a free, HUD-approved counselor near you. They review your situation and contact your servicer at no cost.HUD counselor directoryHUD's own list of approved housing counseling agencies, searchable by state.How HUD counselors workWhat a HUD-approved counselor actually does, and why their help is free and legitimate.

Or call the free HOPE Hotline: 888-995-HOPE (4673), open 24/7.

Assistance programs

Homeowner Assistance Fund statusNCSHA's live map of each state's HAF program — check whether yours is still open before you rely on it.HAF eligibility checkerA quick read on whether you'd qualify for HAF and where the program stands.The HAF guideWhat HAF was, why it's winding down, and what to do now if your state's program is closed.

Stay safe

Foreclosure rescue scams to avoidThe red flags — upfront fees, 'sign over your deed,' guaranteed saves — and the free legitimate help instead.CFPB: beware foreclosure-relief scamsThe CFPB's official warning on how foreclosure-rescue fraud works and how to report it.