Housing Counseling Agencies
For advice on buying a home, renting an apartment or home, defaults, home foreclosure, or reverse mortgages, the US Department of Housing and Urban Development (HUD) sponsors certain housing counseling agencies throughout the country. A housing agency or housing counselor is able to provide you with low cost or free advice on just about anything related to housing credit or home debt issues.
HUD also has a database of HUD-approved housing counseling agencies and housing counselors who will work with you to help you avoid foreclosure and other debt-related problems. You can search their database by name or by your location to find a housing counselor in your area, who is familiar with the laws of your localities.
A HUD approved housing counselor or housing counseling agency can give housing counseling to apartment or home renters, home buyers, as well as homeowners. For people who are currently facing a default or a home foreclosure, HUD recommends that they get in touch with an approved agency or counselor immediately. This can mean the difference between losing a home to foreclosure and keeping it.