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Texas HUD Approved Housing Counseling Agencies & Programs Offered
In a state as vast as Texas, housing challenges vary significantly from the rapidly growing urban centers of Austin and Dallas to the rural communities of West Texas and the Rio Grande Valley. Texas is a non-judicial foreclosure state, which means the foreclosure process can move extremely fast in as little as 41 days. For Texas homeowners, this makes early intervention with a HUD-approved counselor critical. These non-profit agencies, listed below by area, act as intermediaries between you and your lender, helping to navigate "workout" options like loan modifications or repayment plans before a sale date is set.
Beyond foreclosure, HUD certified Texas housing agencies help people navigate the state’s unique property tax challenges and first-time homebuyer programs. Many agencies are integrated with the Texas Department of Housing and Community Affairs (TDHCA) (website: https://www.tdhca.texas.gov/) to provide down payment assistance and "Bootstrap" self-help housing programs.
In addition to the local and regional agencies listed below, HUD has a website page dedicated to Texas at https://www.hud.gov/states/texas. Whether you are dealing with a predatory lending issue in Houston or seeking a reverse mortgage in San Antonio, the following organizations provide professional, third-party guidance to stabilize your housing situation.
Statewide and Multi-City Agencies
- Money Management International (MMI)
Multiple locations. Phone: 866-232-9080. Website: https://www.moneymanagement.org..Unique Feature: Offers 24/7 telephonic counseling for mortgage default and reverse mortgages (HECM).
- Texas RioGrande Legal Aid (TRLA)
Phone: 888-988-9996. Website: https://www.trla.org..
Locations: Alpine, Austin, Corpus Christi, Del Rio, Eagle Pass, Edinburg, El Paso, Harlingen, Laredo, Sinton, Weslaco.
Unique Feature: Provides legal representation alongside housing counseling for those facing illegal evictions or predatory lending.
- GreenPath Financial Wellness
Multiple locations. Phone: 877-933-9974. Website: https://www.greenpath.com.
Unique Feature: Offers a specialized "Texas Veteran Financial Wellness" program with free coaching for veterans.
- NID-HCA (National Association of Real Estate Brokers-Investment Division)
Website: https://www.nidonline.org.. Locations: Dallas (972-218-1550), Houston (713-334-1191), Moulton (361-596-4886).
North Texas (Dallas, Fort Worth, Arlington)
- BCL of Texas
400 S. Zang Blvd., Ste. 1220, Dallas, TX 75208-6624. Phone: 214-688-7456.
Unique Feature: Offers specialized "Homebuyer eHome America" online courses and focused support for small business owners seeking to stabilize their home finances.
- Builders of Hope
603 Munger Ave., Dallas, TX 75202-1839. Phone: 214-920-9850. Website: https://www.bohcdc.com/
Unique Feature: They don't just counsel; they are an active community developer that builds high-quality, affordable homes in revitalization areas of West Dallas.
- Catholic Charities of Dallas
1421 Mockingbird Ln., Dallas, TX 75247. Phone: 972-246-6045.
Unique Feature: Provides a comprehensive "Disaster Case Management" program that often overlaps with housing stability for families recovering from North Texas storms.
- Dallas Area Habitat for Humanity
2800 N Hampton Rd, Dallas, TX 75212. 214-678-2300
Unique Feature: Combines financial literacy with their unique "sweat equity" home construction programs.
- Dallas County Home Loan Counseling Center
2377 N. Stemmons Fwy., Dallas, TX 75207-2710. Phone: 214-819-6060. Website: https://www.dallascounty.org/departments/dchhs/human-services/home-loan.php
Unique Feature: A rare government-run HUD counseling center that offers direct access to county-specific down payment assistance programs.
- Housing Channel
851 Grainger St., Fort Worth, TX 76104-4645. Phone: 817-924-5091.
Unique Feature: Known for their "Home To Own" program which includes extensive credit building specifically for those who have been previously denied a mortgage.
- Housing Opportunities of Fort Worth
1065 W. Magnolia Ave., Ste. A, Fort Worth, TX 76104-4477. Phone: 817-923-9192. Website: https://housingoppsfw.com/
Unique Feature: One of the leading agencies in the region for HECM (Reverse Mortgage) counseling for seniors.
- NACA (Neighborhood Assistance Corporation of America) - Dallas
5787 South Hampton Rd., Ste. 120, Dallas, TX 75232-2289. Phone: 972-283-1171.
Unique Feature: Famous for their "No Down Payment, No Closing Cost" mortgage program and high-energy "Achieve the Dream" events.
- Navicore Solutions
17440 North Dallas Pkwy., Dallas, TX 75284-0001. Phone: 866-472-4557.
Unique Feature: A national non-profit with a strong local presence that provides 24/7 telephonic counseling for immediate delinquency crises
Houston and Southeast Texas
- Avenue Community Development Corporation
3517 Irvington Blvd., Houston, TX 77009-5700. Phone: 713-864-9099.
Unique Feature: Hosts "HomeFest," a large annual community event that brings lenders and residents together for on-the-spot counseling.
- Catholic Charities of Southeast Texas
2780 Eastex Fwy., Beaumont, TX 77703-4617. Phone: 409-924-4425.
Unique Feature: Focuses heavily on the Golden Triangle area, providing bilingual foreclosure prevention and budget training for low-income workers.
- Chinese Community Center
9800 Town Park Dr., Houston, TX 77036-2316. Phone: 713-271-6100.
Unique Feature: Offers culturally specific housing counseling in Mandarin, Cantonese, and Vietnamese for the Asian-American community in Southwest Houston.
- Credit Coalition
3300 Lyons Ave., Houston, TX 77020-8252. Phone: 713-224-8100.
Unique Feature: Provides the "Fundamentals of Good Credit" course, a rigorous 12-hour program that is often required for various city and county grant programs.
- Fifth-Ward Community Redevelopment Corp.
4300 Lyons Ave, Houston, TX 77020. Phone: 713-674-0175. Website: https://www.fifthwardcrc.org
Unique Feature: Provides homebuyer education and neighborhood stabilization services.
- Tejano Center for Community Concerns
2950 Broadway St., Houston, TX 77017. Phone: 713-640-3743.
Unique Feature: A multi-service center that integrates housing counseling with an open-enrollment charter school and health clinic services.
Central Texas (Austin, Waco, San Antonio)
- Austin Habitat for Humanity
500 W. Ben White Blvd., Austin, TX 78704-7030. Phone: 512-472-8788.
Unique Feature: Focuses on "The American Dream" for the Austin workforce, providing housing counseling specifically designed for first-time buyers in a hyper-competitive market.
- Austin Tenants’ Council
13492 Research Blvd, Suite 120-492, Austin, TX 78750. Phone: 512-474-1961. Website: https://www.housing-rights.org
Unique Feature: Specializes in fair housing and renter rights, but also provides counseling for those facing housing instability.
- BCL of Texas - Austin
1011 San Jacinto Blvd., Ste. 500, Austin, TX 78701-1952. Phone: 512-912-9884.
Unique Feature: Strong focus on "Homebuyer Education" and providing the financial foundation needed for Central Texas teachers and first responders.
- CCCS of Greater San Antonio
6851 Citizens Parkway, Suite 100, San Antonio, TX 78229. 210-979-4300
Unique Feature: Features a dedicated "Student Loan Counseling" division to help homeowners manage education debt.
- Frameworks Community Development Corporation
2200 E. Martin Luther King Jr. Blvd., Austin, TX 78702-1344. Phone: 512-385-1500.
Unique Feature: Specializes in predatory lending education and helping Austin residents navigate the rapid gentrification of the city's East Side.
- Galilee Community CDC
2007 Pecos St, San Angelo, TX 76901. Phone: 325-655-6700. Website: https://www.galileecdc.org.
Unique Feature: Provides essential housing services to the rural Concho Valley area.
- Guadalupe Neighborhood Development Corp
813 E 8th St, Austin, TX 78702. Phone: 512-479-6275. Website: http://www.guadalupendc.org.
Unique Feature: Focuses on "right to return" programs for displaced long-term residents of East Austin.
- Neighborhood Housing Services of Waco, Inc.
922 Franklin Ave., Waco, TX 76701-1906. Phone: 254-752-1647. Unique Feature: Partners with the City of Waco to provide "Down Payment Assistance" (DPA) to qualifying local residents.
- San Antonio Alternative Housing Corporation
1215 S. Trinity, San Antonio, TX 78207. 210-224-2349. Website: https://saahc.org/
Unique Feature: Develops and manages high-quality, affordable rental properties for low-income seniors.
- Urban League of Greater Austin
8011A Cameron Rd, Austin, TX 78754. Phone: 512-478-7176. https://www.aaul.org..
Unique Feature: Programs range from debt reduction to housing counseling and workforce development.
South Texas and the Valley
- Affordable Homes of South Texas, Inc.
1420 Erie Ave., McAllen, TX 78501-5220. Phone: 956-687-6263.
Unique Feature: Operates a unique "Bootstrap" program where homeowners contribute "sweat equity" to help build their own homes.
- cdcb - Come Dream. Come Build.
901 E. Levee St., Brownsville, TX 78520-5164. Phone: 956-541-4955.
Unique Feature: One of the largest non-profit housing developers in South Texas, known for innovative "MiCASiTA" modular housing designs.
- NeighborWorks Laredo
216 Bob Bullock Loop, Laredo, TX 78043. Phone: 956-712-9100.
Unique Feature: Offers the "Owner-Builder" (Self-Help) program to help families build equity.
West Texas and El Paso
- Adults and Youth United Development Association (AYUDA)
1325 Beverly Ann Dr., San Elizario, TX 79849-8642. Phone: 915-584-2875.
Unique Feature: Located in the El Paso colonias, they provide critical housing and environmental health services to historically underserved rural border areas.
- Housing Authority of the City of El Paso (HOME)
5300 E Paisano Dr, El Paso, TX 79905. Phone: 915-849-3742. Website: https://www.ephome.org.
Unique Feature: Manages a large portfolio of affordable units while providing homeownership pathways.
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