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HUD housing counseling agencies in Florida

Numerous HUD approved counseling agencies help Florida homeowners and people seeking to buy a house. Contact one of these government certified, non-profit organizations to get free counseling services. The locations will help people get help with a mortgage, improve their credit, assist with property taxes and more. Find a HUD counselor near you in FL.

Both in person consultations and telephone advice is given. An individual can meet one on one with a counselor to discuss such options. Get assistance with a foreclosure from mediation. Or low-income families can learn about state of Florida and federal government mortgage assistance programs. The HUD counselors also help with home loan modifications, FHA loans, down payment closing costs and more.

Get information and find a listing of the HUD approved agencies below. While they may always have a solution, they can be part of the process that a homeowners or would be buyer should follow in order to get back on track with their home payments. Many of these HUD certified counseling agencies can also help people deal with debts, such as credit card and medical, provide bankruptcy assistance, and other assistance in addition to the foreclosure help.

Find a housing counselor in FL

Low-income homeowners, or people seeking to buy a house in FL, can get help. Get details on mortgage assistance programs, FHA loans, and other counseling for homeowners as well as renters. They also help them rebuild credit so they can buy a home. There are also free phone consultations from HUD agencies in Florida.

Adopt a Hurricane Family, DBA as Crisis Housing Solutions
Address: 4700 SW 64th Ave Ste C, Davie, Florida, 33314-4433. Dial (954) 587-0160

Affordable Homeownership Foundation Inc
The non-profit is at 5264 Clayton Ct, Fort Myers, FL, 33907-2112. For details, dial (239) 689-4944

Bright Community Trust
Address: 11923 Oak Trail Way, Port Richey, FL, 34668-1064. Phone: (727) 475-1366




HUD Housing Authorities
Various housing assistance programs are offered for tenants, homeowners, and people seeking to buy a home. Learn about, or get applications to section 8. Also find how to use a HUD vouchers to pay for buying a home, including closing costs. The counseling from the HUD agency is free.

  • Broward County Housing Authority location is  4780 North State Road 7, Lauderdale Lakes, Florida, 33319. Phone: (954) 739-1114
  • Ocala Housing Authority is based at 1629 NW 4th St, Ocala, FL, 34475-6051. Call (352) 369-2636
  • West Palm Beach Housing Authority is a HUD counseling organization at 3700 Georgia Ave, West Palm Beach, Florida, 33405-2176. Call (561) 655-8530

Catholic Charities of Central Florida
The Christian, faith based HUD agency is at 1819 N Semoran Blvd, Orlando, Florida, 32807-3546. Phone: (407) 658-1818

CCCS of Puerto Rico
Address: 8751 Commodity Cir, Orlando, Florida, 32819-9027. Phone: (787) 722-8835

Centro Campesino, Farmworkers Center, Inc
Address: 35801 SW 186th Ave, Florida City, Florida, 33034-5508. Phone: (305) 245-7738

Centro de Ayuda Para Los Hispanos, Inc.
Address: 1 Purlieu Pl Suite 170, Winter Park, FL, 32792. Phone: (407) 249-0532

Community Development Corporation
These are local government backed, HUD counseling agencies. The free HUD counselors offer resources for individuals or families facing homelessness, whether they rent or buy. The non-help helping them find immediate housing or long-term solutions in the local area or anywhere in FL.

  • Location is 501 Harrison Ave, Panama City, Florida, 32401-2621. Phone: (850) 872-7231
  • Hillsborough County FL is supported by 306 E Jackson St, Tampa, FL, 33602-5208. Phone: (813) 274-7992
  • Oasis of Hope CDC is at 351 S Cypress Rd, Pompano Beach, FL 33060. Call (954) 586-1283
  • 490 Opa Locka Blvd, Opa Locka, Florida, 33054-3563. Phone: (305) 687-3545
  • Tampa Bay CDC DBA Suncoast Housing Connections - Address: 2139 NE Coachman Rd, Clearwater, Florida, 33765-2612. Main phone: (727) 442-7075





Clearwater Neighborhood Housing Services, Inc.
Main address - 608 N Garden Ave, Clearwater, Florida, 33755-3826. Phone: (727) 442-4155

Community Enterprise Investments, Incorporated
Address: 302 North Barcelona St, Pensacola, Florida, 32501-4806. Phone: (850) 595-6234 Ext: 206

Community Housing Initiative, Inc
Office address: 3033 College Wood Dr, Melbourne, FL, 32934-8324. Intake number is (321) 253-0053

Community Legal Services of Mid-Florida
There are multiple offices, as noted below. The phone number is Phone: (386) 255-6573. The lawyers, who are part of free legal aid, are also HUD approved. They help low-income families, the disabled and senior citizens over the age of 60 with housing needs. Lawyers with negotiate with creditors or mortgage servers, help people get government benefits for their mortgage, and offer other foreclosure prevention services. Locate other free legal services in Florida.

  • The Orange County office is at 122 E Colonial Dr, Orlando, Florida, 32801-1219.
  • Location is 106 N Osceola Ave, Inverness, FL, 34450-4120.
  • Free lawyers, paralegals and HUD counselors work from 800 N Main St, Kissimmee, Florida, 34744-4564.
  • Address: 1610 SE 36th Ave, Ocala, Florida, 34471-4949.
  • Volusia County HUD counseling is from 1440 N Nova Rd, Daytona Beach, Florida, 32117-3200.
  • Another site it at 605 Saint Johns Ave, Palatka, Florida, 32177-4666.

Family Foundations of Northeast Florida,
Address: 40 E Adams St, Jacksonville, Florida, 32202-3353. Telephone (904) 396-4846

Gateway to Housing
Address: 160 Congress Park Dr Ste 116, Delray Beach, Florida, 33445-4724. Call (561) 536-8503

GreenPath Financial Wellness
Address: 8751 Commodity Cir, Orlando, Florida, 32819-9027. Phone: (888) 860-4167

H.E.L.P. Community Development Corp.
Address: 63 E Kennedy Blvd, Eatonville, Florida, 32751-5345. Phone: (407) 628-4832

Habitat for Humanity
A major focus is on home maintenance, repairs as well as general financial stability. Counselors and staff also educate homeowners on maintaining their home to protect its value. In some cases, the HUD agency will help fix a home or offer loans cost loans. Other help can include assistance on regular maintenance tasks or building a home for a single mom or low-income families in Florida.

  • The Greater Orlando and Osceola County charity is at 4116 Silver Star Rd, Orlando, Florida, 32808-4636. Phone: (407) 648-4567
  • Habitat for Humanity of Lee and Hendry Counties is based at 12751 New Brittany Blvd Ste 100, Fort Myers, Florida, 33907-3694. For information, dial Phone: (239) 652-4663

Hispanic Unity of Florida
Address: 5840 Johnson St, Hollywood, FL, 33021-5636. Phone: (954) 964-8884
Services are offered statewide from this HUD agency. Counselors can be contacted over the phone and help Spanish speakers, immigrants and others. Whether help with a mortgage, or information on fair housing or building credit, the HUD counselors are free to qualified low-income applicants.




Homes in Partnership, Inc.
Location is 1140 S Grove St, Eustis, Florida, 32726-5524. Call (407) 886-2451

Housing and Education Alliance
Main office is at 9215 N Florida Ave Ste 104, Tampa, Florida, 33612-7938. Phone: (813) 932-4663

Housing and Neighborhood Development Services of Central Florida, Inc.
Address: 1707 Orlando Central Pkwy, Orlando, Florida, 32809-5759
Phone: (407) 447-5686

Housing Development Corporation of SW Florida.
Address: 3200 Bailey Ln Ste 109, Naples, Florida, 34105-8506. Phone: (239) 434-2397

Housing Foundation of America
The HUD certified counselors help people get back on track with their mortgage, including help to establish a budget, set priorities, and negotiate relief. Home Buying solutions are offered too. The non-profit will also help seniors, single moms and minorities assess, and ensure, the Fair Housing Act is followed.

  • An office is at 381 N Krome Ave Ste 203, Homestead, Florida, 33030-6047. Intake number is (786) 842-3843
  • Main address is 2400 N University Dr Ste 200, Pembroke Pines, Florida, 33024-3629. Phone: (954) 923-5001 Ext: 1101
  • 2400 N University Dr, Pembroke Pines, Florida, 33024-3629. Phone: (954) 923-5001
  • Address: 8461 Lake Worth Rd, Lake Worth, Florida, 33467-2474. Main phone (561) 713-1457
  • 1717 N Andrews Ave, Fort Lauderdale, Florida, 33311-4813. Phone: (954) 923-5001
  • In person appointments are at 1773 N State Road 7, Lauderhill, FL, 33313-5005. Telephone (954) 923-5001

Housing Partnership, Inc.
Address: 2001 W Blue Heron Blvd, Riviera Beach, Florida, 33404-5003. Phone: (561) 841-3500

InCharge Debt Solutions
Address: 5750 Major Blvd Ste 300, Orlando, FL, 32819-7971. Phone: (877) 251-1882

Jacksonville Area Legal Aid, Inc.
Address: 126 W Adams St, Jacksonville, Florida, 32202-3849. Phone: (904) 356-8371

Urban League
The Urban League has multiple HUD counselors in Florida, as noted below. People of all races, ages and ethnicities can get help. Learn about mortgage relief programs. Get help in negotiating a payment plan with a bank or lender or find government grant money for low-income, first time home buyers.

  • Duval County -  903 Union St W, Jacksonville, Florida, 32204-1161. Phone: (904) 472-4007
  • Urban League of Broward County is at 560 NW 27th Ave, Fort Lauderdale, Florida, 33311-8654. Main phone is (954) 625-2501
  • Urban League of Palm Beach County address: 1700 N Australian Ave, West Palm Beach, Florida, 33407-5623. Call   (561) 833-1461
  • Tallahassee Urban League location is 923 Old Bainbridge Rd, Tallahassee, Florida, 32303-6042. Main phone: (561) 833-1461

Lee County Housing Development Corporation
Address: 3677 Central Ave Ste F, Fort Myers, Florida, 33901-8226. Phone: (239) 275-5105

Little Haiti Housing Association, Inc.
Address: 181 NE 82nd St, Miami, FL, 33138-3755. All information is in Spanish as well from the HUD organization. Dial (786) 230-3785







Mid-Florida Housing Partnership, Inc.
Address: 1834 Mason Ave, Daytona Beach, FL, 32117-5101. Phone: (386) 274-4441 Ext: 301

Money Management International
One the the largest HUD and debt counseling agencies in the US with locations in Florida too.  They provide guidance on how to avoid foreclosure and also help renters with an eviction. Counselors explain legal rights, negotiation strategies with banks or landlords and offer other free or income based services. they also help people in Florida get out of debt, sell their home, file for bankruptcy and offer financial literacy too.

  • Address: 6303 Blue Lagoon Dr, Miami, Florida, 33126-6002. Call (866) 232-9080
  • Address: 618 E South St, Orlando, Florida, 32801-2986. Phone: (800) 642-2227

NACA (Neighborhood Assistance Corporation of America)
A national non-profit, HUD certified organization. For families or individuals with debt issues or that are struggling to pay their mortgage, counselors assist in negotiating with creditors. This includes a mortgage server, bank, or other company. The goal is to arrange more manageable repayment plans and also help prevent homelessness in Florida.

  • Address: 656 NE 125th Street, North Miami, Florida, 33161-5546. For details dial (305) 341-0791
  • Address: 3986 Boulevard Center Dr Ste 101, Jacksonville, Florida, 32207-2819. Phone: (904) 306-9272
  • Location is 6861 W Colonial Dr, Orlando, Florida, 32818-7830. Intake number - (847) 704-6222
  • Address: 3824 W. Sligh Avenue, Tampa, Florida, 33614-3961. Phone: (813) 287-5051

Neighborhood Housing & Development Corporation
Address: 633 NW 8th Ave, Gainesville, Florida, 32601-5074. Phone: (352) 380-9119

Neighborhood Housing Services of South Florida
The HUD approved organization has two offices as noted below. Free homebuyer education workshops are offered. Or get help with an existing mortgage such as modifications, refinancing of a home loan, and programs to assist with repayment issues. Bankruptcy filing and short sales of a home can be explored too at the HUD organization.

  • Dade County center is at 300 NW 12th Ave, Miami, Florida, 33128-1019. Main number is (305) 751-5511
  • Broward County office is at Address: 2880 W Oakland Park Blvd, Oakland Park, Florida, 33311-1354. Phone: (305) 751-5511

The HUD counseling organizations provide free advice to the community. Mortgage delinquency counseling, information on reverse mortgage for seniors, and other housing programs are offered by the non-profit. Counselors are available online (the phone) or in person.

  • Address: 175 E. Main St., Suite 111B, Apopka, FL, 32703-3213. Call (407) 437-7038
  • Location is 949 South Orange Blossom Trail, Orlando, Florida, 32703. Telephone: (407) 814-3016
  • 610 NW 183rd St, Miami Gardens, FL, 33169-4472. Phone: (305) 652-7616
  • Address: 1773 N. State Rd 7, Suite 200, Lauderhill, FL, 33313-5005. Phone: (954) 806-8873
  • An office is at 5104 N Orange Blossom Trl Ste 203, Orlando, FL, 32810-1016. Phone: (888) 869-0422





Operation Hope
A resource offered by the state of FL and federal government. There are housing counselors, negotiators and pro-bono lawyers that offer free or affordable advice. Call l 888-388-4673. Housing counseling is provided in a step by step approach. The services are for everyone from seniors to a low-income family and tailored to the individual needs - whether to buy a home or save one from foreclosure.

  • Main address is 5025 W Colonial Drive, Orlando, Florida, 32808-7601.
  • Address: 1740 W 49th St, Hialeah, Florida, 33012-2918.
  • Assistance is from 777 N Krome Ave, Homestead, Florida, 33030-6043.
  • Address: 2208 E Fowler Ave, Tampa, Florida, 33612-5508.

Pensacola Habitat for Humanity
Address: 300 W Leonard St, Pensacola, Florida, 32501-1406. Phone: (850) 434-5456

Real Estate Education and Community Housing
For people, ranging from gig workers to college students or first time home buyers looking to buy a home, in Florida, the HUD counselors offer education on the process. Get help in understanding the terms of mortgage loans and costs of ownerships. Or get free counseling on the best lenders, FHA programs and other home buying services.

  • Location is 451 W Cypress Creek Road, Fort Lauderdale, Florida, 33309-1961. Phone: (954) 546-0844
  • 4006 S. MacDill Avenue, Tampa, Florida, 33611-1545. Phone: (561) 491-1670
  • Address: 2224 NW 82nd Ave, Doral, Florida, 33122-1509. Phone: (786) 260-6821
  • Office is at 8409 N Military Trl Ste 111, West Palm Beach, FL, 33410-6321. Phone: (561) 491-1670

Solita's House Inc
Address: 1907 E Hillsborough Ave, Tampa, FL, 33610-8214. Phone: (813) 425-4847

St. Johns County Board of County Commissioners
Address: 200 San Sebastian Vw Ste 2300, St Augustine, FL, 32084-8695. Phone: (904) 209-6146
This is the local social service office. Everything from financial help for a mortgage from FL benefit programs to job training and more is offered.

St. Petersburg Neighborhood Housing Services, Inc. dba Neighborhood Home Solutions
Address: 1600 Dr M L King St N, St Petersburg, Florida, 33701-5707. Main phone: (727) 821-6897

Step Up Suncoast, Inc. f/k/a Manatee Community Action Agency
Address: 6428 Parkland Dr, Sarasota, Florida, 34243-4038. Main phone: (941) 827-0118

Tallahassee Lenders Consortium, Inc.
Address: 224 Office Plaza Dr, Tallahassee, Florida, 32301-2808. Phone: (850) 222-6609

Trinity Empowerment Consortium, Inc.
Address: 11885 SW 216th St, Miami, Florida, 33170-2900. Phone: (305) 248-4553




University of Florida/Florida Cooperative Extension
In addition to assistance programs around housing (for homeowners or tenants) the HUD agency will help people set up budgets. The non-profit will also provides solution for the specific needs of elderly clients and seniors over the age of 60 in Florida. As the HUD offices offer long-term care options, age-friendly housing modifications, tips on reverse mortgages or using them and more.

  • Address: 1024 McCarty Hall, Gainesville, Florida, 32611-0001. Phone: (352) 392-1761
  • Citrus County Cooperative Extension Service is at 3650 W. Sovereign Path, Ste. 1, Lecanto, Florida, 34461-8070. Main number is (352) 527-5700
  • Holmes County Cooperative Extension Service - 703B E Highway 90, Bonifay, Florida, 32425-2736. Call (850) 547-1108
  • Osceola County Cooperative Extension Service office is at 1921 Kissimmee Valley Ln, Kissimmee, FL, 34744-6107. Phone: (321) 697-3000
  • Volusia County Cooperative Extension Service - 3100 East New York Avenue, DeLand, FL, 32724-6410. Dial (386) 822-5778
  • Washington County Cooperative Extension Service HUD counseling is from 1424 Jackson Ave, Chipley, Florida, 32428-1628. Call (850) 638-6265

We Help Communities to Develop Corporation
Main address - 349 SE 3rd Street, Belle Glade, Florida, 33430-3513. Phone: (561) 992-5854

Wealth Watchers, Inc
Address: 5310 Lenox Ave Ste 4, Jacksonville, FL, 32205-4743. For hours, dial (904) 265-4736


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