CCCS is approved by the US Department of Housing and Urban Development (HUD) to offer you comprehensive housing counseling and education. Our certified housing counselors can:

- Help you understand the home–buying process and help you decide on a mortgage amount that is affordable for you, without sacrificing your lifestyle. Fees may apply if you need a certificate for first-time homebuyer programs.

- Help you if you are having difficulty and have fallen behind on your mortgage, or your HUD-assisted rent. We can help you work with your lender or landlord to save your home from foreclosure or eviction from your apartment and understand your options.

- Help you if you are a senior citizen and want to stay in your home, but are finding it harder to afford repairs or taxes. We can help you understand reverse mortgages and how they can help.

• Call us now at 800-479-6026 or your local CCCS office for an in-person or telephone appointment,
• Use our One to One free online counseling by clicking the One to One button below.
• Or when One to One is offline, click here to enter information for free debt counseling and a CCCS counselor will email or call you within 48 business hours.