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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

Whether you are a prospective homebuyer preparing for homeownership or a struggling homeowner with a Freddie Mac-owned mortgage trying to avoid foreclosure, 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-certified counselors will work with you to:

Prepare for Homeownership

  • Build important financial skills such as money management, credit, and responsible homeownership using the Freddie Mac CreditSmart® educational curriculum.
  • Learn the steps to sustainable homeownership through workshops and one-on-one counseling.
  • Compare the affordable features of various mortgage products – including lower down payments.
  • Provide information on down payment and closing cost assistance programs in your area.

Avoid Foreclosure

  • Explain, identify, and pursue your best foreclosure prevention option – working with both you and the mortgage loan servicer of your Freddie Mac-owned mortgage.
  • Help supply missing information and documents to move your application forward.
  • Provide holistic financial education counseling, including debt and credit management.
  • Inform you about Neighborhood Stabilization Initiatives that may be available in your area.

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

Help is available at the following locations:


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

Neighborhood Housing Services of Chicago
1279 North Milwaukee Avenue, 4th Floor
Chicago, Illinois 60622
773-329-4111 – phone

NID-Housing Counseling Agency
7310 Woodward Avenue, Suite 704
Detroit, Michigan 48202
313-338-3840 – phone


New York State
Center for NYC Neighborhoods*
855-HOME-456 – phone

* 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
6200 Baltimore Avenue
Riverdale, Maryland 20737
301-891-4606 – phone (English)
301-891-4607 – phone (Spanish)


1223 SW 4th Street
Miami, Florida 33135
888-669-0379 – phone 

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

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

*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 


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

Trellis (formerly Neighborhood Housing Services of Phoenix)
1405 East McDowell Road
Suite 100
Phoenix, Arizona 85006
602-258-1659 – phone


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

Neighborhood Partnership Housing Services (NPHS)
9551 Pittsburgh Avenue
Rancho Cucamonga, California 91730
909-988-5979 – phone


2002 Iowa Avenue
Suite 105
Riverside, California 91730
909-988-5979 – phone

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


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.

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 select option #2. We are open Monday through Friday between 8:30 a.m. – 7:00 p.m. ET.

Refinance with HARP

Act Now, HARP Ends Soon

HARP is helping millions refinance into today's low interest rates – even with little or no equity.

Get the Facts on Foreclosure Video

Get the Facts on Foreclosure

Get the Facts on foreclosure: Video series dispels five of the most common myths about foreclosure.

Attend a Foreclosure-Prevention Workshop

Attend a foreclosure-prevention workshop in your area and receive free, in-person advice.

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