You don't have to be behind paying your mortgage to benefit from mortgage counseling or to attend one of our clinics. Let one of our HUD-certified counselors check your eligibility for a loan modification, explain how a reverse mortgage works, help you determine if refinancing is right for you, and make other recommendations to help you afford your mortgage, especially if your circumstances have changed or you're experiencing a hardship.

Of course, if you ARE behind, are in default, are in foreclosure, or even if your lender has taken you to court, we can counsel you, explain your options, intervene with your lender, and refer you to free legal assistance, if appropriate, so don't hesitate to pick up the phone.

We offer daytime and early evening clinics and counseling is free of charge.

Call for an appointment and be sure to bring your last mortgage statement, ID, and proof of income (1 month of pay stubs, Social Security and pension award letters, etc.).