Free HUD-Approved Housing Counseling Agencies in Mississippi — Find Help by City.
HUD-certified housing counselors are nonprofit professionals who work for you — not your lender. In Mississippi, they are the primary free resource for homeowners who are behind on mortgage payments, at risk of foreclosure, or trying to navigate a loan modification. They will review your loan and finances with you, explain every option your servicer is required to consider, and communicate with your lender on your behalf.
Mississippi's foreclosure process is one of the fastest in the country — typically 60 to 90 days from first missed payment to sale, with no court required and no post-sale redemption. If you are behind or have received any notice, call a counselor today. See the companion Mississippi mortgage and foreclosure help page for a full explanation of how the process works and what programs are available.
All foreclosure prevention counseling from HUD-certified agencies is free. Never pay anyone upfront for loan modification help. To find a currently approved HUD counselor in Mississippi:
- HUD national locator: https://www.hud.gov/counseling or (800) 569-4287
- HOPE Hotline: (888) 995-4673 — 24/7 national foreclosure counseling hotline
- Mississippi Home Saver Program: (601) 718-4642 — Mississippi Home Corporation contact for homeowner counseling referrals
- Mississippi Legal Services: (800) 498-1804 — statewide legal aid intake for income-eligible homeowners
Agency details change frequently. Always call ahead to confirm current HUD approval status and services. The HUD locator above is the most current source.
Agencies Sorted by City
Hope Enterprise Corporation (formerly Enterprise Corporation of the Delta)
Hope Enterprise Corporation is a regional CDFI serving economically distressed communities across Mississippi, Arkansas, and Louisiana. Confirm current HUD counseling certification at each location before visiting. Website: https://www.hopecu.org/.
- Biloxi: 188 Porter Ave, Biloxi, MS 39530. (228) 374-3374.
- Greenville: 119 S. Theobald Street, Suite 207, Greenville, MS 38701. (662) 332-8175.
- Gulfport: 4320 W. Railroad Street, Gulfport, MS 39501. (228) 563-6581.
- Jackson: 4 Old River Place, Suite A, Jackson, MS 39202. (601) 944-1100.
Hope Community Development Agency. 425 Division Street, Biloxi, MS 39530. (228) 435-7180.
Call ahead to confirm current HUD-approved counseling availability.
MMI (Money Management International) — Biloxi. 2598 Pass Rd suite f, Biloxi, MS 39531. Call (228) 385-7505 or (800) 850-2227.
Mortgage default counseling, credit and debt counseling, financial management. HUD-certified. Website: https://www.moneymanagement.org/.
Northeast Mississippi Planning & Development District. 619 East Parker Drive, Booneville, MS 38829. (662) 728-6248.
Community Counseling Services. 921 Main Street, Columbus, MS 39701. (662) 327-3933...
Mississippi Action for Community Education (MACE). 119 South Theobald Street, Greenville, MS 38701. (662) 335-3523.
Mississippi Center for Legal Services Corp. 111 East Front Street, Hattiesburg, MS 39401. (601) 545-2950. Statewide intake: (800) 498-1804.
Provides free legal representation and housing counseling for low-income homeowners facing foreclosure. Active HAF network participant. Website: https://mscenterforlegalservices.org/.
University of Southern Mississippi — Institute for Disability Studies. 118 College Drive #5163, Hattiesburg, MS 39406. (601) 266-5163.
Pre-purchase and homeownership counseling for people with disabilities.
Catholic Charities, Inc. — Diocese of Jackson. 731 S Pear Orchard Rd #51, Ridgeland, MS 39157. Phone: (601) 922-0026.
Housing counseling, mortgage default assistance, pre-purchase counseling. English and Spanish. Website: https://www.catholiccharitiesjackson.org/.
Housing Authority of the City of Jackson. 2747 Livingston Road, Jackson, MS 39213. (601) 362-0885.
Pre-purchase counseling and homeownership programs.
Housing Education and Economic Development, Inc. (HEED). 3405 Medgar Evers Blvd, Jackson, MS 39213. (601) 981-1960.
Foreclosure prevention counseling, pre-purchase counseling, financial education. Active HAF network participant. Website: https://www.heedhousing.org/.
Mississippi Homebuyer Education Center. 350 West Woodrow Wilson, Suite 3480, Jackson, MS 39213. (601) 366-9141.
Pre-purchase homebuyer education and counseling. Website: https://mhbec.com/.
Mississippi Housing Partnership, Inc. 1217 N. West Street, Jackson, MS 39202. (601) 969-1895.
Purchase subsidies for first-time homebuyers, affordable rental housing, and professional housing counseling. Website: https://mshousingpartnership.org/.
NACA (Neighborhood Assistance Corporation of America) — Jackson. 436424 Lakeover Rd B, Jackson, MS 39213. (601) 922-4008.
Foreclosure prevention and loss mitigation counseling, pre-purchase counseling, homebuyer education.
Urban League of Greater Jackson, Inc. 2310 Highway 80 West, Building 1, Suite E, Jackson, MS 39204. (601) 714-4600.
Housing counseling alongside workforce development and economic empowerment. Website: https://www.msul.org/.
Voice of Calvary Ministries. 531 W. Capitol Street, Jackson, MS 39203. (601) 969-3088.
Active HAF network participant providing foreclosure prevention counseling.
West Jackson CDC. 1060 John R. Lynch Street, Jackson, MS 39203. (601) 352-6993.
North Mississippi Rural Legal Services. 5 Ryland Wy, Oxford, MS 38655. Phone: (662) 234-2918.
Free legal services for low-income homeowners, including foreclosure prevention representation and legal advice. Active HAF network participant. Website: https://nmrls.com/
Covenant Community Development. 813 Varsity Dr Suite #11, Tupelo, MS 38801. (662) 690-4009.
Hancock Housing Resource Center. 887 Washington St, Bay St Louis, MS 39520. (228) 463-8887.
Housing counseling and homeownership services serving Hancock County on the Gulf Coast. Website: https://www.hancockhrc.org/.
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