Freddie Mac Borrower Help Centers and Network

Our HUD-certified housing counselors can assist you if you are struggling to make your mortgage payments and help you prepare for successful homeownership.

Through Freddie Mac’s on-the-ground Borrower Help Centers and national Borrower Help Network, trusted nonprofit intermediaries offer free assistance that includes a full suite of financial education and mortgage help services.

If you’re struggling to make your mortgage payments

If you’re behind on your mortgage payments or believe you may fall behind on your payments soon, our housing counselors can help you by:

  • Providing holistic financial education counseling, including reviewing your budget and providing debt and credit management services.

  • Offering educational resources and tools to help you get back on track.

  • Explain, identify and pursue the best option to avoid foreclosure while working closely with your loan servicer (the company listed on your mortgage statement).

To ensure a productive conversation, take the time to prepare before you reach out by having all documentation about your mortgage, income and debts ready, along with a brief explanation and evidence of your financial hardship.

If you’re planning to buy a home

If homeownership is in your future plans, our housing counselors can help prepare by:

  • Teaching important financial skills such planning your budget and building your credit.

  • Guiding you on the steps to sustainable homeownership through workshops and one-on-one counseling.

  • Comparing the affordable features of various mortgage products – including products that offer lower down payment options.

  • Providing information on down payment and closing cost assistance programs in your area.

Borrower Help Centers

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    Midwest

    Chicago

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

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

    Detroit

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

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    Northeast

    New York State

    Center for NYC Neighborhoods*
    55 Board St 10th Floor
    New York, NY 10004
    212-566-3050 – phone
    www.cnycn.org

    * 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

    HomeFree-USA
    6200 Baltimore Avenue
    Riverdale, Maryland 20737
    301-891-8400 – phone
    www.homefreeusa.org

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    Southeast

    Florida

    CNC
    1223 SW 4th Street
    Miami, Florida 33135
    305-642-3484 Ext 184 or Ext 181 – phone
    www.cnc.org

    InCharge Debt Solutions*
    5750 Major Boulevard
    Suite 300
    Orlando, Florida 32819
    888-794-6390 – phone
    www.InCharge.org

    *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
    954-584-0777 – phone
    www.ulbroward.org

    Georgia

    D&E, A Financial Education and Training Institute, Inc.
    4532 Jonesboro Road
    2nd Floor
    Forest Park, Georgia 30297
    770-961-6900 – phone
    www.depower.org

    D&E, A Financial Education and Training Institute, Inc.
    2860 East Point Street
    2nd Floor
    East Point, Georgia 30344
    770-961-6900 – phone
    www.depower.org

    Mississippi

    D&E, A Financial Education and Training Institute, Inc.
    416 Marion Avenue
    McComb, Mississippi 39648
    601-600-7001 – phone
    www.depower.org

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    Southwest

    Phoenix

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

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

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    West

    Las Vegas

    Chicanos Por La Causa
    4070 North Martin Luther King Blvd
    North Las Vegas, NV 89032
    702-207-1614 – phone
    www.cplc.org

    California

    Neighborhood Partnership Housing Services (NPHS)
    9551 Pittsburgh Avenue
    Rancho Cucamonga, California 91730
    909-988-5979 – phone
    http://nphsinc.org

    West Angeles Community Development Corporation
    6028 Crenshaw Boulevard
    Los Angeles, California 90043
    323-751-3440 – phone
    www.westangelescdc.org