If you’re struggling with your mortgage, you’re not alone. There are several federal and state programs designed to help homeowners avoid foreclosure, reduce payments, or get financial counseling.

HUD-Approved Housing Counselors

HUD offers free or low-cost counseling services to help homeowners understand their options and communicate with lenders.

👉 Find a counselor near you: HUD Housing Counselors

State Housing Finance Agencies (HFAs)

Each state has its own housing finance agency that may provide mortgage assistance, grants, or emergency relief.

👉 Search your state here: National Council of State Housing Agencies Directory

Mortgage Relief for Veterans

The VA provides foreclosure prevention and loan assistance for veterans and active-duty service members.

👉 Learn more: VA Foreclosure Help

Non-profit Support

Organizations like the National Foundation for Credit Counseling (NFCC) provide free financial counseling to help families avoid foreclosure.

👉 Visit: NFCC.org

5. Fannie Mae & Freddie Mac Options

If your loan is backed by Fannie Mae or Freddie Mac, special modification and relief programs may apply.

• Fannie Mae – Know Your Options
• Freddie Mac – My Home Resource

Additional Resources

• HUD Housing Counselors
• State Housing Agencies Directory
• VA Foreclosure Help
• NFCC – Financial Counseling