What Does a HUD-Approved Housing Counselor Actually Do?

A HUD-approved counselor reviews your full financial picture, explains every option available for your specific loan type, and helps you prepare a complete loss mitigation application — a major reason applications get delayed or denied is incomplete paperwork.

A Neutral Translator

They don't work for the lender and don't charge for the service, and can sometimes communicate directly with your servicer on your behalf. Think of them as a translator between "mortgage servicing language" and your actual situation.