Trusted guidance on budgeting, credit, mortgages, and housing decisions — for buyers and
current homeowners.
Making informed housing decisions can save residents money, prevent costly mistakes, and help create long-term housing stability.
Housing counselors provide guidance to help residents understand their options, prepare for homeownership, and connect with available programs and resources — whether you are planning to buy, already own, or need help understanding your options.
Help understanding the steps involved in purchasing a home, plus support with budgeting, credit improvement, and preparing financially for future homeownership.
Guidance on budgeting, mortgages, refinancing, and maintaining housing stability — and help understanding available options before problems become more difficult to resolve.
Services and eligibility requirements vary by organization.
Some counseling services may be available free of charge or at reduced cost through approved organizations.
No. Meeting a counselor before buying, applying for a mortgage, refinancing, or making major decisions can help avoid costly mistakes.
Many HUD-approved agencies provide services free or at reduced cost.
HUD maintains a list of approved housing counseling agencies at hud.gov/counseling.
Find a HUD-approved housing counseling agency near you.
1-800-NJ-HOUSE — affordable mortgage programs, down
payment assistance, and homeowner resources.
Counseling is cheapest before the decision, not after.
