http://www.operationhope.org/index.cfm/act/Program/pid/3

Call Toll Free: 1- 877-592-4673

ClearPoint Consumer Counseling Solutions
ClearPoint Consumer Counseling Solutions is a nonprofit community service agency, dedicated to helping individuals and families with money problems. ClearPoint is a U.S. Department of Housing and Urban Development (HUD)-certified housing counseling agency.
http://www.cccsstl.org/housing-solutions/
Call Toll Free: 1-800-966-3328


Home Ownership Programs

Buying a Home
Visit http://portal.hud.gov/portal/page/portal/HUD/topics/buying_a_home to help you figure out what you can afford, discover loan programs, and learn more about the home ownership process.
Call Toll Free: 1-800-569-4287

Keys To My Home
Your dream of owning a home can become a reality if you set realistic goals, get sound advice, plan carefully and clearly understand the costs of homeownership. NeighborWorks® America, through NCHEC, is pleased to partner with E*TRADE FINANCIAL to bring you this educational Web site, designed to help you make informed, sound decisions related to the homebuying process.
http://www.keystomyhome.org/

Reasonable Mortgage Calculator
Freddie Mac has a calculator that helps you determine a reasonable mortgage based upon your income and circumstances.
http://www.freddiemac.com/homeownership/calculators/

Home Loan Programs

Federal Housing Administration (FHA)
An FHA refinance mortgage or FHA loan allows for the refinance or purchase of a home with a low down payment. These loans are great for the first-time homebuyer.
http://www.fha.com/
Call Toll Free: 1-800-404-5188

Foreclosure Assistance

Are you at risk of foreclosure or losing your home?
http://portal.hud.gov/portal/page/portal/HUD/topics/avoiding_foreclosure/fctimeline
Call Toll Free: 1- 800-569-4287

Counseling Programs to Prevent Foreclosure
The U.S. Department of Housing and Urban Development has approved housing counseling agencies.
http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
Call Toll Free: 1-800-333-4636

Home Affordable Modification Program
The Home Affordable Modification Program is designed to help as many as 3 to 4 million homeowners avoid preventable foreclosure by modifying loans to a level that is affordable for borrowers now and sustainable over the long term.
http://www.hmpadmin.com
Call Toll Free: 1-866-939-4469

Home Affordable Refinance Program
See if you are among the 7 to 9 million homeowners who may be able to benefit from this program by using the self-assessment tools provided. The President's Plan was created to help millions of homeowners refinance or modify their mortgages to a payment that is affordable, both now and in the future.
http://www.makinghomeaffordable.gov
Call Toll Free: 1-888-995-4673 l TTY: 1-877-304-9709

Mortgage Crisis Hotline
Learn about services available through the Operation HOPE Mortgage Crisis Hotline at http://www.operationhope.org/index.cfm/act/service/sid/17 or simply call 888-388-HOPE (4673).

Neighborhood Assistance Corporation of America
NACA is a non-profit advocacy HUD certified counseling agency. NACA’s historic Save the Dream Tour has been an incredible success with hundreds of thousands participants in thirteen cities. Thousands of homeowners received same day solutions having their mortgage payments permanently reduced by over $500 and many by over $1,000 a month often with interest rates reduced to 3% or 2% and sometimes a principal reduction. NACA has legally binding agreements with all the major lenders / servicers to achieve this. All of NACA’s services are FREE.

To find out how NACA could assist you and to find a NACA event in your area, go to https://www.nacalynx.com/nacaWeb/index_main.aspx
Call Toll Free: 1-888-302-6222

Hope Now
HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants. This alliance will maximize outreach efforts to homeowners in distress to help them stay in their homes and will create a unified, coordinated plan to reach and help as many homeowners as possible. The members of this alliance recognize that by working together, they will be more effective than by working independently.
http://www.hopenow.com/
Call Toll Free: 1-888-995-4673

Rental Programs

Find a rental assistance program in your area
http://portal.hud.gov/portal/page/portal/HUD/topics/rental_assistance/local

Public Housing
Public housing was established to provide decent and safe rental housing for eligible low-income families, the elderly, and persons with disabilities. Public housing comes in all sizes and types, from scattered single family houses to high rise apartments for elderly families.
Learn more about public housing at http://portal.hud.gov/portal/page/portal/HUD/topics/rental_assistance/phprog
Call Toll Free: 1-800-333-4636

To apply for public housing, find your local housing authority at http://www.hud.gov/offices/pih/pha/contacts/index.cfm
Call Toll Free: 1-800-955-2232

Low Rent Apartments
The government gives funds directly to apartment owners, who lower the rents they charge low-income tenants. You can find low-rent apartments for senior citizens and people with disabilities, as well as for families and individuals.
Search for low-rent apartments in your state at http://www.hud.gov/apps/section8/index.cfm
Call Toll Free: 1-800-333-4636