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Who to Contact for Help

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Are you behind on your monthly bills, including your mortgage payment? If so, you're not alone – and help is available. Resources include:

Looking for mortgage relief but not sure which option is right for you? Our interactive Mortgage Help Navigator will assess your current situation and steer you in the right direction.

Your Mortgage Lender

Call your lender – the company to which you make your mortgage payments – immediately if you are having difficulty paying your mortgage on time. Your mortgage lender may have options to help you make your payments more affordable or to avoid foreclosure. The telephone number and mailing address of your mortgage lender should be listed on your monthly statement and coupon book. Learn how to prepare for your conversation with your lender.

Freddie Mac Borrower Help Centers

If you are a homeowner with a Freddie Mac-owned mortgage and you are behind on your monthly bills (including your mortgage), free, confidential financial counseling assistance is available. Choose either in-person assistance through a local Freddie Mac Borrower Help Center in your area, or call our national Borrower Help Network participant.

HUD-approved counselors will work with you to:

  • Provide free, confidential financial counseling;
  • Review your current income and expenses and provide options to your financial challenges; and
  • Assess your options for avoiding foreclosure.

There is no obligation for you to take any action after your financial counseling session.

Does Freddie Mac own your loan? Click here to find out.

Free, in-person help is available at the following locations:

Midwest

Chicago
Latin United Community Housing Association (LUCHA)
1152 North Christiana Avenue
Chicago, Illinois 60651
773-489-8484 – phone
www.lucha.org

Neighborhood Housing Services of Chicago
1279 North Milwaukee Avenue, 4th Floor
Chicago, Illinois 60622
773-329-4243 – phone
www.nhschicago.org

Detroit
NID-Housing Counseling Agency
16835 Livernois Avenue
Detroit, Michigan 48221
313-915-5911 – phone (local)
844-716-5389 – phone (toll-free)
www.nidonline.org

Northeast

New York State
Center for NYC Neighborhoods*
855-HOME-456 – phone
www.cnycn.org

* Free assistance, either in person or by phone, will be offered by a nonprofit affiliate of the Center for NYC Neighborhoods. Call the Center and ask for the name of the member organization nearest you.

Washington, DC, Metropolitan Area
HomeFree-USA
6200 Baltimore Avenue
Riverdale, Maryland 20737
301-891-4606 – phone (English)
301-891-4607 – phone (Spanish)
www.homefreeusa.org

Southeast

CNC
1223 SW 4th Street
Miami, Florida 33135
888-669-0379 – phone
www.cnc.org 

D&E, A Financial Education and Training Institute, Inc.
4532 Jonesboro Road
2nd Floor
Forest Park, Georgia 30297
877-790-1831 – phone
www.depower.org 

InCharge Debt Solutions*
5750 Major Boulevard
Suite 300
Orlando, Florida 32819
877-300-4179 – phone
www.InCharge.org

*In-person assistance by appointment only. Call to schedule.

Urban League of Broward County
Community Empowerment Center
560 NW 27th Avenue
Fort Lauderdale, Florida 33311
888-884-9386 – phone
www.ulbroward.org 

Southwest

Phoenix
Chicanos Por La Causa
1402 South Central Avenue
Building A
Phoenix, Arizona 85003
602-253-0838 – phone
www.cplc.org

Neighborhood Housing Services of Phoenix
1405 East McDowell Road
Suite 100
Phoenix, Arizona 85006
602-258-1659 – phone
www.nhsphoenix.org

West

Chicanos Por La Causa
3685 Pecos-McLeod
Las Vegas, Nevada 89121
702-207-1614 – phone
www.cplc.org

Neighborhood Partnership Housing Services (NPHS)
320 West G Street
Suite 103
Ontario, California 91762
909-988-5979 – phone
www.nphs.info

West Angeles Community Development Corporation
6028 Crenshaw Boulevard
Los Angeles, California 90043
855-543-3440 – phone
www.westangelescdc.org

 

Free phone assistance is available through our national Freddie Mac Borrower Help Network if you do not have a Borrower Help Center near you:

This organization offers in-person assistance (by appointment only) if you live nearby:

InCharge Debt Solutions
877-300-4179 – phone

Housing Counselors

Housing counselors can help you contact and work with your lender to get help with your mortgage, and also provide budget and credit advice. Regardless of who owns your mortgage, housing counselors are available to assist you free of charge.

  • Call the U.S. Department of Housing & Urban Development (HUD) at (800) 569-4287 or visit its web site for a list of approved foreclosure-prevention counseling services in your area that you can visit in-person or talk to over the phone.
  • Call the Homeowners HOPETM hotline at (888) 995-HOPE to reach trained housing counselors – available 24 hours a day, seven days a week – who can provide advice and help you develop a plan.
  • Attend a foreclosure-prevention workshop sponsored by a community-based organization in your area.

HFA Mortgage Assistance Programs

In 2010, the federal government created the Hardest Hit FundSM to help state Housing Finance Agencies (HFAs) provide financial assistance to homeowners in states hit hardest by the housing crisis and economic downturn. Programs that are supported by the Hardest Hit Fund vary by state – as do requirements for eligibility – and may include:

  • Mortgage payment assistance if you are unemployed or underemployed
  • Mortgage reinstatement programs to help you get current on your mortgage
  • Modification assistance to help you secure a more affordable mortgage
  • Assistance to help you transition into more affordable housing

To see if your state received Hardest Hit Funds, and if so whether you may qualify for financial assistance through your state’s Hardest Hit Fund, visit the web site and reach out to your state’s HFA for more information.

Other Trusted Sources for Help

Your lender wants to help you and should be your first call for assistance. However, if you still have questions or need additional guidance after talking to your lender, you may contact a Freddie Mac representative at 800-373-3343 and selecting option #2.

Additionally, the following organizations can help you find local counseling services that provide holistic financial counseling, from financial education to foreclosure prevention.


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Attend a Foreclosure-Prevention Workshop

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