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Making Home Affordable An official program of the Departments of the Treasury & Housing and Urban Development


 Speak with a Housing Expert

With so many financial terms to remember and a process that can be complicated, you would benefit greatly from the help of a housing expert from a HUD-approved housing counseling agency.

  • There is no charge to work with a HUD-approved counseling agency
  • A housing counseling expert can provide a range of services, including the following:
    • Identifying mortgage assistance options that are suitable for your situation. 
    • Explaining required documents and, in many cases, submitting those documents to your mortgage company for you.
    • Helping you create a budget that supports your mortgage and other expenses.
    • Providing information about local resources that may also be helpful to you. 

Get Help Today

You don't have to go it alone. Experts from HUD-approved housing counseling agencies work in your best interest and at no cost to you:

Before You Call

  1. Explore the 'Finding the Right Program' tool and answer a few questions to receive a list of programs for which you may be eligible.
  2. Use the checklist provided on 'What You Will Need' to gather the financial information you'll need to complete your application for help.
Last Updated: 11/3/2014 9:51 AM

Help is a Phone Call Away

888-995-HOPE (4673)
Hearing impaired: 877-304-9709 TTY

As you enter a process that can sometimes be overwhelming, it would be in your best interest to engage a housing expert to help you along the way. Let a HUD-approved housing counselor help you understand your options, prepare your application, and work with your mortgage company.

Hear it from Homeowners

Curtis and Darlene, Chicago IL

Curtis and Darlene of Chicago, IL

Curtis and Darlene had lived in their home for 35 years when Curtis lost his job. That’s when MHA helped them cut their mortgage payments in half.

Beware of Scams


Unfortunately, and far too often, homeowners looking for mortgage help end up victimized by scam artists. Know the warning signs to protect yourself, your money, and your home.

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