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Freddie Mac Borrower Help Centers and Network

Help Centers

Through our on-the-ground Borrower Help Centers and national Network, we work with trusted national nonprofit intermediaries to support Freddie Mac’s ongoing commitment of preparing prospective buyers for responsible homeownership and helping struggling borrowers with Freddie Mac-owned mortgages avoid foreclosure.


When the Borrower Help Centers and Borrower Help Network were first established during the housing crisis, they leveraged their role as trusted nonprofit intermediaries to help clients with Freddie Mac-owned mortgages at risk of losing their homes understand, identify, and pursue a foreclosure prevention solution with their mortgage loan servicers, whenever possible.

Now, as a result of the improving economy and more interest in pursuing homeownership, the Borrower Help Centers and Network have expanded their role to offer prepurchase homebuyer education as well as financial literacy using tools such as the Freddie Mac CreditSmart® curriculum to help them achieve successful and sustainable homeownership.


The Freddie Mac Borrower Help Centers and Borrower Help Network are a single source of mortgage help, with HUD-certified counselors providing the following services for their clients:

Preparing for Homeownership

  • Utilizing the Freddie Mac CreditSmart® educational curriculum to build important financial skills such as money management, credit, and responsible homeownership.
  • Learning the steps to sustainable homeownership through workshops and one-on-one counseling.
  • Comparing the affordable features of various mortgage products – including lower mortgage payments..
  • Getting Information on down payment and closing cost assistance programs in their area.

Avoiding Foreclosure

  • Explaining, identifying, and pursuing the best foreclosure prevention option – working with both the struggling borrower of the Freddie Mac-owned mortgage and his or her mortgage loan servicer.
  • Helping supply missing information and documents to move the borrower’s application forward.
  • Providing holistic financial education counseling, including debt and credit management.
  • Informing struggling borrowers about Neighborhood Stabilization Initiatives that may be available in certain Borrower Help Center locations.

Current Locations

Freddie Mac has 14 Borrower Help Centers located in Arizona, California, Florida, Georgia, Illinois, Michigan, Mississippi, Nevada, New York, and the Washington, DC metropolitan area. Borrowers living nearby can meet in-person with the nonprofit’s HUD-certified counselor, or talk by telephone. The national Freddie Mac Borrower Help Network assists homeowners by telephone who do not live near a Borrower Help Center. (This organization also offers in-person assistance, by appointment only, for borrowers living nearby.)

Freddie Mac Borrower Help Centers and Network


  • Latin United Community Housing Association (LUCHA)
  • Neighborhood Housing Services of Chicago
  • NID-Housing Counseling Agency


  • Center for NYC Neighborhoods
  • HomeFree-USA


  • CNC
  • D&E, A Financial Education and Training Institute, Inc.
  • InCharge Debt Solutions
  • Urban League of Broward County


  • Chicanos Por La Causa (Phoenix)
  • Trellis (formerly Neighborhood Housing Services of Phoenix)


  • Chicanos Por La Causa (Las Vegas)
  • Neighborhood Partnership Housing Services (NPHS)
  • West Angeles Community Development Corporation

National Freddie Mac Borrower Help Network – Free Phone or In-Person Assistance
(In-Person Assistance By Appointment Only)

InCharge Debt Solutions
877-300-4179 – phone

Other Freddie Mac Resources

  • Refer consumers to our CreditSmart® online resources to learn about credit, money management, and responsible homeownership.
  • Access our Assessing Your Situation web page on the My Home by Freddie Mac® consumer website and refer potential homebuyers here for information, tools, and resources.
  • Refer distressed borrowers to our Freddie Mac Loan Look-up Tool to find out if their mortgage is owned by Freddie Mac.
  • Visit the Freddie Mac Housing Counselors Resource Center  to access information about our Home Possible® conventional mortgages, downloadable fact sheets on our foreclosure prevention options, trainings for housing counselors, and more.
  • Subscribe to our Housing Professionals Outreach News email service to get the latest news and updates that will help you prepare borrowers for obtaining and sustaining homeownership. With your subscription to this email service, you can stay informed about new Freddie Mac borrower outreach initiatives, training opportunities, changes to Freddie Mac requirements, and other important information.

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