Organizations interested in participating in HUD's Housing Counseling Program to provide counseling services must be either: 1) a private or public nonprofit organization or 2) a state or local government. For-profit entities are not eligible to become HUD-approved Housing Counseling Agencies (HCAs).
The HUD Approval Process Overview shows the steps in becoming a HUD-approved HCA.
There are two ways to participate in HUD's Housing Counseling Program:
Section 106(a)(2) of the Housing and Urban Development Act of 1968 (12 USC 1701x) provides the legislative authority for HUD to provide housing counseling services directly or through private or public organizations with special competence and knowledge in counseling low and moderate income families.
Detailed information and additional requirements of the housing counseling program are provided in the Housing Counseling Program Handbook 7610.1 The program handbook lists the qualifying criteria that all applicants must meet to receive HUD approval. A few of the more important are:
Please use the Housing Counseling Agency Eligibility Tool to determine if your organization is ready to apply. The Tool allows organizations to determine if they meet the basic qualifying criteria to apply to become a HUD-approved HCA. Organizations that receive a “ready to apply” result at the end of the tool can move onto notifying HUD.
Please email HUD to schedule an appointment with an application advisor who will assist you. Please type "Appointment with HUD housing counseling application advisor" in the subject line of your email. The HUD application advisor will help explain the housing counseling program requirements, assist you with the application process and required documentation that you must submit for approval as a counseling agency.
HUD’s goal is to complete your application review within 90 days. However, if documents are incomplete, or missing from your application, or if other issues arise during the process, it could take longer. Please read these Frequently Asked Questions. Please contact your application advisor or email HUD if you have any questions.
All of the documents listed below must be included in the application. Agencies applying for HUD approval will submit all of their application documents electronically. All applicants must submit each item as an individual file in Adobe PDF or MS-Word document format. Each document must be labeled as indicated below. Your application advisor will provide you with information for electronic application submission.