Due to the lapse in Congressional Appropriations for Fiscal Year 2019, the U.S. Department of Housing and Urban Development (HUD) is closed. This website is supported by a cooperative agreement funded under a prior appropriation. Current functions will remain operational but no new functions will be added during the lapse in appropriations. For more information, see HUD Contingency Plan for Possible Lapse in Appropriations.

Housing Counseling

HUD provides support to a nationwide network of Housing Counseling Agencies (HCA) and counselors. HCAs are trained and approved by HUD to provide tools to current and prospective homeowners, renters so that they can make responsible choices to address their housing needs in light of their financial situations.

Learn more about the Housing Counseling Program.

Housing Counseling 50th Anniversary

50 Years of Housing Counseling

HUD-approved HCAs, intermediaries and partners came together to share their wishes for the Housing Counseling Program’s 50th birthday in a spirited celebration. Click to watch the video!

New HECM Default Counseling Guidance

HUD recognizes the need to expand the number of agencies and counselors who can provide default counseling for HECM borrowers and has released new guidance to help meet this goal.

View the new HECM webpage on the HUD Exchange to view HUD's guidance on both origination and default HECM counseling.

Housing Counseling 9902 Online Toolkit

Housing Counseling Outreach

The Outreach page is designed to help housing counseling agencies and industry partners increase consumer awareness of the benefits of housing counseling services. On this page you will find a suite of brochures your agency can use to promote housing counseling. It also includes the social media toolkit, homeowners guide to success, first-time homebuyer videos and much more.

Housing Counseling: Smart Move! Poster

First-Time Homebuyers Credit 101

Beat the Odds Benefit of Housing Counseling Infographic

Disaster Resources for Housing Counselors

Housing Counseling Disaster Recovery Toolkit

The Housing Counseling Disaster Recovery Toolkit is an online guide created to help Housing Counseling Agencies (HCAs) prepare for disaster events and engage with local partners that receive funding following disasters. This toolkit is for HCAs, Intermediaries, State Housing Finance Agencies, and Multi-State Organizations seeking to play an active and effective role in local disaster preparedness, response, and recovery.

Disaster and Emergency News and Resources

This page contains a collection of news, resources, and guidance to assist housing counselors with response and recovery efforts specific to disasters. Check this page for resources for housing counseling agencies and news and updates about the disasters as they become available. View the Disaster Recovery Flyers to help inform members of your community the benefits of working with a housing counselor during emergency and disaster recovery.

Housing Counseling Technology

The Office of Housing Counseling is excited to announce the launch of a new Technology page created for housing counseling agencies to incorporate technology and leverage web platforms in their counseling delivery.

Housing Counseling Resources

Housing Counseling Federal Advisory Committee

Housing Counseling Toolkits: Topics include Agency Capacity Building, Disaster Recovery and Emergency Preparedness, Consumer Protection and Predatory Lending, and HUD Integrity Bulletins.

Home Equity Conversion Mortgage (HECM) Counseling

Housing Counseling National and Regional Coalitions

Training Resources

Training Digest: View upcoming trainings from HUD, HUD-funded partners, and other OHC training partners.

Online Training Modules

Webinar Archive

Training and Events Calendar

Training Partners

Housing Counseling Research

The Research and Studies page provides recent research evidence on the role of housing counseling to improve housing outcomes for homebuyers, homeowners, and renters.