The US Department of Housing and Urban Development (HUD) provides support to a nationwide network of housing counseling agencies. AHCDC is a HUD-Approved Agency since 2001 providing tools to current homeowners, prospective homebuyers, renters, homeless, and victims of disaster, so they can make responsible choices to address their housing needs.
You can make a one-on-one appointment to talk about your specific situation. Counseling services are free. During your appointment with a certified counselor, you may express your own housing goals and ideal timeline. You and the counselor outline the next steps needed to move toward your goals.
A 2014 study sponsored by the Urban Institute found that households that worked with a housing counselor were 2.83 times more likely to receive a loan modification, and 70% less likely to redefault on a modified loan. Counseled clients also saved more per year compared to modifications given to non-counseled borrowers.