You may be eligible for housing counseling services. Counselors can advise you on buying a home, renting, defaults, foreclosures and credit issues. Following are several housing counseling resources:


U.S. Department of Housing and Urban Development (HUD) housing counseling services

HUD sponsors experienced housing counseling agencies throughout the country. For a list of HUD housing counseling agencies in your area, visit the HUD housing counseling website or call 1-800-569-4287.



HOPE NOW is an alliance between mortgage services companies and non-profit housing counseling organizations. It provides resources to help homeowners avoid foreclosure. For housing counseling help, visit the HOPE NOW website’s counseling page.


Housing counseling services In New York State

Homeowners in New York can obtain a list of government-approved non-profit housing counselors in the area at the Department of Financial Services website.

Servicemembers Civil Relief Act or SCRA

If you or your spouse are a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act (SCRA) and similar state laws provide significant protections and benefits to eligible military service personnel.

Homeowner counseling is also available at agencies such as

Loan modification/foreclosure fraud and mortgage scams are on the rise. Here are tips to help you avoid them:
  • Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent account. There should never be a fee to get help or information about the programs available to you or to modify your account.
  • Loan modification scammers often target homeowners who are struggling to meet their account commitment or anxious to sell their homes. Recognize and avoid common mortgage scams.
  • Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
  • Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
  • Never make an account payment to anyone other than your account service without the mortgage servicer’s approval.

Learn more about how you can protect yourself against loan modification scams or foreclosure assistance fraud at