Housing Counseling by Consolidated Credit

Call 1-800-435-2261 for HUD-certified support.

Consolidated Credit’s housing counselors are here to help you achieve and protect the dream of homeownership. Whether you’re buying a home, facing the threat of foreclosure, or simply want to get the most out of your home investment, we can help.

FREE COVID-19 MORTGAGE HOTLINE Talk to a HUD-certified housing counselor for free 800.435.2261 Mortgage resources, prevent foreclosure, protect your equity


First-Time Homebuyer Education

We can help you get ready to buy a home and overcome financial challenges to become mortgage-ready.


Reverse Mortgage Counseling

Expert counseling for homeowners age 62+ who want to access home equity using a reverse mortgage.

Get Counseling

Explore Options to Stop Foreclosure

Find solutions that could help you save your home or make a smooth transition out of your mortgage.

Save Your Home

Protecting the Equity in Your Home

Understand the risks of home equity loans and lines of credit, so you can protect your most valuable asset.

Understand Equity

Free Tools

Mortgage Prequalification Calculator

See how much home you can afford and how much you’ll need for a down payment.

Mortgage Payment Calculator

Assess your monthly payments and evaluate the benefit of extra payments.

Housing & Mortgage Glossary

Understand key terms related to your mortgage and homeownership.

Ask Our Housing Experts

Find answers to common questions or submit a question yourself.

Homebuyer Workshops

Note: All local homebuyer workshops have been canceled

In light of public health safety concerns for the coronavirus, all live local homebuyer workshops at our home office in Plantation, Florida have been canceled. If you need to take a homebuyer course in the next few months, we recommend the online course. Click the banner below to learn more.

online homebuyer course
online homebuyer course


What is housing counseling?

Housing counseling is a free service designed to help homebuyers and homeowners make informed decisions about their homes. Consolidated Credit’s HUD-certified housing counselors help people overcome obstacles in the purchase and/or retention of their homes.

For homebuyers, housing counselors provide pre-purchase counseling that helps first-time buyers understand the homebuying process. It also helps homebuyers find solutions to overcome common hurdles that often trip people up as they buy a home, such as limited income, a low credit score, and too much debt.

For homeowners, housing counselors provide two essential services:

  1. They can help you find solutions if you’re facing foreclosure, whether you wish to keep your home or simply want to make a smooth exit.
  2. They also provide counseling to seniors age 62 and up who want to use a reverse mortgage to access valuable home equity without the usual risk of a home equity loan.

Essentially, housing counselors are here to help you at every stage of homeownership.

Who we are

Consolidated Credit's HUD-certified housing counseling team

Consolidated Credit is approved by the U.S. Department 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.

Meet our team »

Our 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: