First thing’s first: There is free foreclosure help. If anyone tries to charge you in advance for help or guarantees that they can stop your foreclosure, they’re not legitimate.
If you’re behind on your mortgage, or having a hard time making payments, we want to get you in touch with a HUD-approved housing counselor — they’ve been sponsored by the U.S. Department of Housing and Urban Development. Your counselor can develop a tailored plan of action for your situation and help you work with your mortgage company. They’re experienced in all of the available programs and a variety of financial situations. They can help you organize your finances, understand your mortgage options, and find a solution that works for you.
Find a counselor
Search HUD’s housing counselor list by location and services.
Call HUD, enter your ZIP code and they’ll refer you to a counselor near you.
Housing Finance Agencies listed by state.
Submit a complaint
Submitting a complaint won’t automatically stop or delay foreclosure, but we will forward your issue to the company to get an answer about what they’re doing or going to do about your case. We also publish which companies get the most complaints, and about which types of problems people are having with them.