Florida Housing Counseling Services
Call 1-800-435-2261 for HUD-certified support.
Consolidated Credit’s housing counseling team is here to help renters, homebuyers, and homeowners overcome challenges and achieve their goals. Our counselors are certified by the U.S. Department of Housing and Urban Development (HUD) and are here to provide free support to you. Whether you’re getting ready to buy a home or working to avoid eviction or foreclosure, we’re here to help you!
Start here to get the housing counseling you need…
Homebuyers
Our first-time homebuyer program can help you become mortgage-ready.
Get Ready to Buy
Homeowners
Learn how to avoid foreclosure and protect your home’s equity.
Find Stability
Renters
Get free rental counseling to customize the right strategy to avoid eviction.
Avoid EvictionFirst-time homebuyer program
Buying a home is a cornerstone of the American Dream, and our team of HUD-certified housing counselors is here to help Florida homebuyer navigate the unique challenges of one of the nation’s most competitive real estate markets.
Consolidated Credit’s First-Time Homebuyer Program provides everything you need to know about the homebuying process. You’ll also hear directly from a range of housing professionals about the assistance programs and resources available to support your journey to homeownership.
First-Time Buyer? How Consolidated Credit Gets You Home-Ready
For more than three decades, Consolidated Credit has been assisting families across the United States to help with housing and financial crisis. Consolidated Credit provides budget & credit counseling, debt management, pre/post-purchase counseling services and many more. Our first-time homebuyer program gives anyone looking to buy their first home, the knowledge and tools to do so successfully. If you are looking for a new home, or just need help affording your current one, Consolidated Credit is always here to help!
Over 30 Years of Turning Houses into Homes
I know how our first-time home buyers program has impacted the community. We have counseled more than 19,000 families throughout the complex process of buying a home. It has truly helped dreams become reality for so many.
Our first-time homebuyer program has impacted the community. We have counseled more than 19,000 families throughout the complex process of buying a home. It has truly helped dreams become reality for so many.
Raising property taxes, insurance rates, maintenance cost can affect first-time home buyers and senior home owners the hardest. We want to help those with the biggest challenges navigate reverse mortgages, the 40-year recertification process, and other complicated programs with ease. We are here to say you’re not alone.
We are proud to work with over 150 organizations growing Consolidated Credit’s positive impact on the community.
Our goal is to help people become successful homeowners who can pass these vital skills for generations to come.
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Your Money, Your Terms: Picking the Best Debt Strategy
A comprehensive guide to finding the right debt relief approach for your situation.
In this free webinar, you’ll learn…
• How to assess your debts and credit to pick the right relief option
• About different strategies by comparing cost, timeline, and credit impact
• Ways to spot red flags and get reputable debt support
Don’t Let Taxes Stress You: Plan. Prepare Prosper.
Taxes can be scary. But with this guide, you’ll be ready for tax season
In this free webinar, you’ll learn…
• What essential documents you’ll need for a smooth tax filing process
• How to maximize your return and minimize liability
• The best ways to use your tax refund, like setting up savings, investing, and more
Boost Your Credit, Not Your Balance: How to Earn Financial Freedom
Unlocking your path to financial independence through credit
In this free webinar, you’ll learn…
• Strategies for reviewing and correcting errors on your credit report
• How to raise your score by managing credit utilization and payments
• Ways to build a diverse credit mix and use new credit responsibly
Taking Care of Your Mental and Financial Health
Practical tips to reduce money anxiety and build financial resilience
In this free webinar, you’ll learn…
• Techniques for managing money-related stress
• Steps to build buffers that boost your financial resilience
• Mindset shifts and daily habits that support long-term well-being
First-time homebuyer course
Consolidated Credit’s 8-hour, HUD-approved Homebuyer Education Course provides comprehensive guidance on the homebuying process. Taught by local experts—including realtors, mortgage lenders, and home inspectors—this course equips you with the knowledge and confidence to become a successful homeowner.
One-on-one homebuyer counseling
The last step in the homebuyer program is a one-on-one counseling session with a HUD-certified housing counselor. Your counselor will help you review your budget and finances and set a customized action home-buying plan.
By the end of your session, you’ll have a roadmap for what you need to do to achieve your goal and get approved for a mortgage.
Upon completing the course and attending a one-on-one session with a HUD-certified housing counselor, you will receive a Certificate of Completion. This certificate may qualify you for down payment and closing cost assistance programs.
As a homeowner, your home is your most important asset, but it’s also so much more than that. So, protecting it is crucial. Consolidated Credit’s housing stability program is here to help you do that. Whether you need help avoiding foreclosure, are a senior with questions about a reverse mortgage, or simply want to know how to get the most out of your investment, we can help.
We also provide free rental counseling to Florida renters who are facing eviction.
Foreclosure prevention counseling
Homeowners who are facing foreclosure have a range of options outside of the HAF that can help. Work with a housing counselor to understand options that can either save your home or help you make a graceful exit so you can transition out of the home as smoothly as possible.
Reverse mortgage counseling
Senior homeowners ages 62 and older have a unique borrowing option known as a reverse mortgage. We can provide HUD-approved reverse mortgage counseling to understand the risks, benefits, and alternatives to reverse mortgages so that you’re fully informed on how this will affect your home, equity, housing situation, and inheritors.
Understanding home equity
Home equity can be an invaluable asset, but it’s important to understand how it works and the risks involved in accessing it. Consolidated Credit’s housing counseling team is here to help you get informed if you’re considering tapping the equity in your home.
Call 1-800-435-2261 or complete the form to schedule a one-on-one consultation with a HUD-certified housing counselor.
Florida rental counseling
With rents continuing to rise in Florida and many renters still trying to recover from pandemic job and income loss, rental counseling can be a crucial resource. You can work with a counselor to set a budget that can get you back on track, learn about programs that can provide assistance, and discuss options that can help you avoid eviction.
Meet our team
Consolidated Credit is approved by the U.S. Department of Housing and Urban Development (HUD) to provide housing counseling services. As a HUD-approved housing counseling agency, we strive to help people at every stage of homeownership.
Our housing partners
The work we do wouldn’t be possible without the support of our community partners! Consolidated Credit’s housing counseling team works with a network of government agencies, local municipalities, nonprofit organizations, banks, mortgage lenders, mortgage servicers, home inspectors, insurance providers, and Realtors® to provide free education, counseling, and support for homebuyers.
These are just a few of the partners that help us in our mission:
