Arkansas HUD-Certified Foreclosure and Housing Counseling Agencies.
Homeowners in Arkansas who are behind on mortgage payments, have received a foreclosure notice, or are simply having trouble keeping up can get free or low cost help from a network of HUD-certified housing counseling agencies across the state. This page lists the HUD agencies in Arkansas and explains how they can help.
These are federally approved nonprofit organizations that can work directly with your lender on your behalf — explaining your options, reviewing your loan, and helping you apply for assistance programs that may be available to you. All legitimate foreclosure counseling in Arkansas is free.
- Scam warning: Anyone who contacts you and asks for upfront money to stop a foreclosure or change your loan terms is running a scam. You can report them to the Arkansas Attorney General's consumer protection office at 800-482-8982.
There is also a nationwide, federally funded customer service number as well as online locator at for the programs in Arkansas at https://www.hud.gov/states/arkansas. To find a counselor in your area or speak with someone over the phone right now, call the national HUD housing counseling hotline: 800-569-4287.
Northwest Arkansas — Bentonville and Fayetteville
Home prices in Benton and Washington counties have climbed sharply over the past decade as the region has grown, and housing in the Fayetteville-Springdale-Rogers corridor now costs significantly more than most of the state. Homeowners dealing with reduced income, a medical crisis, or job loss in this area often have less room to catch up on missed payments than they would in other parts of Arkansas.
Credit Counseling of Arkansas (CCOA)
Bentonville office: 1730 SE Moberly Lane, Suite 3, Bentonville, AR 72712
Fayetteville office: 1111 E. Zion Road, Fayetteville, AR 72703.
Phone numbers are 800-889-4916, or Fayetteville direct is at 479-521-8877
CCOA is a nonprofit agency that has helped Arkansas families with housing and financial counseling since 1995. It is the only agency named directly on HUD.gov's Arkansas page as a statewide counseling resource. Services are free and include pre-purchase counseling for those looking to buy, mortgage delinquency help for homeowners who have fallen behind, reverse mortgage counseling, and homebuyer education classes. Appointments can be made in person, by phone, or by email. Spanish-language services are available. Website: https://www.ccoacares.com/.
Fort Smith and the River Valley
Fort Smith is built around manufacturing, health care, and transportation — sectors where hours get cut and pay can vary. Two HUD-certified agencies serve this region.
Credit Counseling of Arkansas (CCOA)
3200 Rogers Ave, Fort Smith, AR 72901. Call 800-889-4916. Website: https://www.ccoacares.com/.
CCOA's Fort Smith office offers the same free services as its Northwest Arkansas locations. Note that the address has changed — the 2301 S. 56th St. location on the old page is no longer current.
Crawford-Sebastian Community Development Council (C-SCDC)
1617 S. Zero St., Fort Smith, AR 72901. Call 479-785-2303 | Spanish: ext. 117. Website: https://www.cscdc.net/
A NeighborWorks organization serving Crawford and Sebastian counties. Provides pre-purchase counseling, mortgage delinquency counseling, homebuyer education, and rental housing counseling. Spanish-speaking staff available at the dedicated extension. C-SCDC also connects buyers to down payment assistance programs in Fort Smith and the surrounding area, and helps more than 250 families a year through the homebuying process.
Central Arkansas — Little Rock and North Little Rock
The Little Rock metro has the largest concentration of HUD-certified agencies in the state, with several focused specifically on neighborhoods where affordable homeownership has historically been harder to access.
Money Management International (MMI)
400 W Capitol Avenue, Suite 1700, Little Rock, AR 72201. Call Local: 501-399-4322 or Toll-free: 866-550-8004. Website: https://www.moneymanagement.org/
MMI is a national nonprofit and HUD-certified housing counseling agency with an in-person Little Rock office. Appointments are generally available Tuesday through Thursday. Phone counseling is available 24 hours a day. Services include mortgage delinquency and foreclosure prevention counseling, pre-purchase counseling, reverse mortgage counseling, and homebuyer education.
NACA (Neighborhood Assistance Corporation of America)
Little Rock, AR. Call 501-687-2960. Website: https://www.naca.com/
NACA provides free housing counseling and also offers its own mortgage product — no down payment, no closing costs, no private mortgage insurance — geared toward buyers who do not qualify through standard lenders. For homeowners already behind on payments, NACA's HomeSave program works directly with servicers to find a solution and avoid foreclosure. Services in English and Spanish.
Better Community Development, Inc. (BCD)
3805 W. 12th Street, Suite 203, Little Rock, AR 72204. Call 501-379-1539. Website: https://bcdinc.org/
BCD is a city and state-certified community housing organization that provides free one-on-one pre-purchase counseling, homebuyer education, and financial coaching. The organization is also actively building and rehabbing affordable homes in Little Rock, so counselors have direct knowledge of local programs, prices, and what it takes to close a purchase in the neighborhoods they serve.
IN Affordable Housing
3224 Shackleford Pass, Little Rock, AR 72205. Call 501-221-3033. Website: https://www.inaffordablehousingar.org/
A HUD-authorized affiliate of HomeFree-USA operating in Little Rock since 1994. Provides first-time homebuyer education classes, pre-purchase counseling, credit review, and foreclosure prevention counseling. Appointments required; open Monday through Friday, 9am to 5pm.
Coverage gap: Northeast, southeast, and southern Arkansas have no locally verified active HUD agency. National hotline (800-569-4287) as well as MMI and CCOA phone counseling serve these areas remotely.
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