HUD Certified Housing Counselor Application Process

Counselor Eligibility Requirements

To become a HUD certified housing counselor, a counselor must meet the following two eligibility requirements: 1) pass the HUD Housing Counselor Certification written examination and 2) work for an agency approved to participate in HUD’s Housing Counseling Program.

There are two steps within this process:

  • Exam: Under the exam step, a counselor registers, pays the examination fee, and takes the exam through The certification written examination became available on August 1, 2017. More information is available in this Federal Register Notice.
  • Application: Once the counselor has taken and passed the HUD Housing Counselor Certification written exam, the individual applies through FHA Connection. The individual alerts their Agency FHAC Coordinator to validate their employment through FHA Connection.

Note: At all times, HUD participating housing counseling agencies must have an Agency FHAC Application Coordinator registered in FHA Connection. A counselor will not be officially placed in the certified counselor database until the Agency FHAC Application Coordinator successfully validates counselor employment in the FHAC system.

The graphic below includes the entire process, inclusive of both Exam and Application steps, for counselors to become HUD certified.

Becoming HUD certified involves two processes: the exam and the application. First, a counselor needs to register for the examination through and pay the fee to take the exam. Then, the counselor must take the exam. If the counselor does not pass the exam, they must register again and pay the fee again. Once the counselor passes the exam, they can begin the application process through FHA Connection. The counselor must register for an FHAC ID in the FHA Connection. After they receive their ID and password, they must request employment verification. An Agency FHAC Application Coordinator will verify that the counselor works for a HUD-Approved Housing Counseling Agency. Once the Application Coordinator verifies the counselor’s employment, the counselor is HUD Certified. If a Housing Counselor is hired by a different HUD-approved agency at any time, they must have their employment verified in FHA Connection by their new FHAC Application Coordinator. If a Housing Counselor is no longer employed by a HUD-approved agency, the housing counselor is no longer HUD certified.

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