Through Caring Housing Counseling Services

For those who may have fallen behind in housing payments or face foreclosure/eviction, 995Hope housing counselors help you explore ways to get you back on track. Whether you need a long-term plan or immediate help, the sooner you reach out to a trusted counselor, the better your options.


There is Hope

We envision a nation where everyone has a place to call home and the ability to achieve their financial dreams. Whether you’re under financial stress and wanting to understand your options or looking toward the future and eager to learn how to better manage your finances, the sooner you connect with one of our certified counselors to take action, the better.

Help is available. Give us a call.

Who and How We Can Help

Homeowners &

Aerial view of typical American new construction neighborhood street
Our homes provide us with safety and stability.

When you call the Homeowner’s HOPE® Hotline at 888-995-HOPE (4673), our experts will work with you to develop a plan tailored to your unique situation. Falling behind on mortgage payments can happen for many reasons, from job losses and rising interest rates to overwhelming debt loads to name a few. Call for FREE expert advice and get back on track.

Homebuyers &
Reverse Mortgages

Family with young daughter holding keys from their new home, selective focus on hands, closeup.
Buying a home is one of the biggest financial decisions you will make.

Homeownership is changing and home buyers are more successful when they understand new rules and options. Getting the right information sets you up for a successful experience. Our experts help you understand how to navigate the home buying process and how to sustain it through the day you’ll pay off your mortgage. It all starts with a conversation to get started.


Homebuyer discusses financial documents with professional
Improving financial health reduces stress.

Reducing financial stress can improve overall health and well-being. Our financial coaches and debt counselors are specially trained to work with you to be more confident with your finances, take charge of your spending plan and debt, and build savings to become resilient to financial shocks. Connect to learn more.

We're Here for You

Your success as a homeowner is our #1 priority.

We’re available to help you avoid foreclosure and stay current on your mortgage payments.

We’ll Answer All Your Questions

Browsing houses in tablet icon

What Alternatives Do I Have?

Even though the thought of foreclosure is scary, stressful, and overwhelming, the best thing to do is be proactive and talk with a counselor and your mortgage servicer to learn your options.

House in chat bubble icon

What Can I Expect on a HOPE Hotline Call?

Your counselor will develop an accurate profile of your financial health.  And may join you in a call with your mortgage servicer to help resolve your situation.

House with heart icon

Why Should I Trust the HOPE Hotline?

The HOPE Hotline has been a trusted source of independent, HUD-approved housing counseling to more than nine million homeowners since 2007.

Housing Experts Insight