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…

First Time Homebuyers standing in front of a sold house

Homebuyers

Our first-time homebuyer program can help you become mortgage-ready.

Get Ready to Buy
Hispanic family in front of their home

Homeowners

Learn how to avoid foreclosure and protect your home’s equity.

Find Stability
For rent sign in front of a house

Renters

Get free rental counseling to customize the right strategy to avoid eviction.

Avoid Eviction

First-time homebuyer program

Buying a home is the American Dream, but it’s becoming more and more challenging to achieve it. Our first-time homebuyer program helps Florida homebuyers overcome the unique challenges that come with living in one of the most competitive real estate markets in the country.

This 3-step program will teach you about home buying process, connect you with programs to help with down payment and closing costs, and help you customize a plan to become mortgage-ready.

First-time homebuyer orientation

The Pathway to Homeownership is a 1-hour orientation that we offer once a month online. You’ll hear from mortgage lenders and Florida housing experts how to overcome obstacles and successfully transition to becoming a homeowner.

First-time homebuyer course

Homebuyer Education Course

Once you complete the orientation, the next step is an intensive, 8-hour homebuyer course. It will teach you everything you need to know about the home buying process from local experts, including Realtors, mortgage lenders and inspectors.

Once you complete the course, you will receive a Certificate of Completion that will help you qualify for down payment and closing cost assistance.

Take a HUD-approved first-time homebuyer course online »

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.

Housing stability counseling

Housing Stability Counseling Program: Help for homeowners and renters - FREE Consultation

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.

Learn more about the housing stability counseling we provide »

Florida Homeowner Assistance Fund

The Florida Homeowner Assistance Fund (HAF) can provide critical assistance to homeowners facing foreclosure in the wake of the COVID-19 pandemic. Our team can answer questions you have and help you apply to get the funds you need if you’re behind on payments and struggling to catch up.

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 over the age of 62 have a unique borrowing option know as a reverse mortgage. We can provide HUD-approved reverse mortgage counseling, to understand the risks, benefits, and alternatives of reverse mortgages. You can get 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.

Get to know our housing counselors »

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: