Free HUD-Approved Housing Counseling Agencies in Tennessee: Foreclosure Help by City
HUD-certified housing counseling agencies provide free or low-cost assistance to Tennessee homeowners who are behind on their mortgage, received a notice of sale, or are simply concerned about keeping up with payments. The agencies listed below are sources of free counseling and prevention resources.
Tennessee is a nonjudicial foreclosure state, which means lenders can foreclose without going to court. Under the state's power-of-sale process, a home can be sold at auction in as little as five to six months from the first missed payment — one of the faster timelines in the country. That urgency is exactly why early contact with a housing counselor matters so much in Tennessee. Every month of delay reduces the options available.
HUD-certified housing counseling agencies provide free or low-cost assistance to Tennessee homeowners who are behind on their mortgage, received a notice of sale, or are simply concerned about keeping up with payments. Counselors review your finances and mortgage documents, explain the loss mitigation options your servicer is required to offer, help you prepare a hardship application, communicate with the lender on your behalf, and help you decide whether keeping the home is financially realistic. These services are free. You should never pay an upfront fee for foreclosure counseling or loan modification help — anyone charging for these services should be treated with suspicion.
THDA — your statewide starting point
Before contacting a local agency, Tennessee homeowners facing mortgage difficulty can call THDA directly. The Tennessee Housing Development Agency is itself a HUD-approved counseling agency and offers free, confidential foreclosure prevention counseling statewide by phone. THDA HUD-certified counselors: 888-483-8432 or Email: [email protected]. Website: https://thda.org/help-for-homeowners/foreclosure-prevention-2/.
If your loan is serviced by THDA's partner Volunteer Mortgage Loan Servicing (VMLS), call VMLS directly for loss mitigation assistance: 1-844-865-7378.
For a live, searchable list of all currently approved HUD counseling agencies in Tennessee by zip code — which is always more current than any printed list — use HUD's official locator at https://answers.hud.gov/housingcounseling/s/?language=en_US or call HUD's interactive line at (800) 569-4287.
Chattanooga
- Chattanooga Neighborhood Enterprise, Inc. 1301 Market Street #100, Chattanooga, TN 37402. Call: 423-664-4663
- CCCS of Chattanooga. 5600 Brainerd Rd Ste C-26, Chattanooga, TN 37411. Phone: (423) 490-5620
Franklin
- GAP Community Development Resources, Inc. 129 West Fowlkes Street, Suite 137, Franklin, TN 37064. Call: 615-591-4345
Jackson
- West Tennessee Legal Services, Inc. 210 W Main St, Jackson, TN 38301. Phone: (731) 423-0616
Knoxville
- Knox Housing Partnership, Inc. - Homesource East TN. 109 Winona St, Knoxville, Tennessee, 37917-7843. Phone: (865) 637-1679
- Knoxville Area Urban League. 1514 E. Fifth Avenue, Knoxville, TN 37917. Call: 865-524-5511
La Vergne
- Life of Victory International Christian Ministries. 144 Bain Dr, La Vergne, Tennessee, 37086-3642. Phone: (615) 213-1468.
Memphis
- Frayser Community Development Corporation. 3684 N. Watkins, Memphis, TN 38127. Call: (901) 354-9401
- Memphis Consumer Credit Education Association. 1661 Aaron Brenner, Suite 201, Memphis, TN 38120. Call: 901-321-6800
- NACA (Neighborhood Assistance Corporation of America) – Memphis. 2400 Poplar Ave., Memphis, Tennessee, 38112-3226. Phone: (901) 348-0115
- Operation Hope. 6815 Poplar Ave, Memphis, Tennessee, 38138-0606. Phone: (404) 996-5983
- Operation Hope. 1222 E Raines Rd, Memphis, Tennessee, 38116-5829. Phone: (901) 273-4547
- United Housing, Inc. 355 N. Merton, Memphis, Tennessee, 38122. Phone: (901) 272-1122
Nashville
- Affordable Housing Resources of Nashville, Inc. 1 Vantage Way, Nashville, Tennessee, 37228-1552. Phone: (615) 251-0025
- Greenpath Financial Wellness. Address: 89 Hermitage Ave, Nashville, Tennessee, 37210-2141. Phone: (866) 234-4814
- New Level Community Development Corporation. 1112 Jefferson Street, Nashville, TN 37208. Call: 615-627-0347
- Operation Hope: 2013 Jefferson St, Nashville, Tennessee, 37208-2909. Phone: (615) 601-2920
- Woodbine Community Organization. 643 Spence Ln, Nashville, Tennessee, 37217-1141. Phone: (615) 850-3447
Smyrna
- Dominion Financial Management. 660 Fitzhugh Blvd., Suite 100, Smyrna, TN 37167. Call: 615-220-5858
A word about this list
Agency names, phone numbers, addresses, and HUD approval status change over time. Before traveling to any location, call ahead to confirm hours and that the specific service you need is still offered at that address.
For the most current, verified list of HUD-approved agencies anywhere in Tennessee, use the official HUD counselor locator at hud.gov/findacounselor or call (800) 569-4287.
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