HUD-certified housing counselors are nonprofit professionals who work for you — not your lender. In Washington state, they are the primary free resource for homeowners dealing with mortgage trouble, whether that means understanding your options before you miss a payment, working through a loan modification application, or navigating what happens after a Notice of Default arrives. The information below will help you find a HUD counselor and understand what they may provide.

The Washington State Housing Finance Commission (WSHFC) oversees and funds the state's network of HUD-approved counseling agencies. That network is extensive — agencies are distributed across the state from Aberdeen to Yakima, and counselors can work with you in over 220 languages. For homeowners in rural areas or counties without a local office, phone and online counseling through the same certified agencies is fully available.

A HUD counselor will review your loan documents and finances, explain every loss mitigation option your servicer is required to consider — forbearance, repayment plans, loan modifications, and others — and communicate with your lender on your behalf. If your situation has escalated to a Notice of Default, a counselor can help you request mediation through Washington's Foreclosure Fairness Program, which gives you and your lender a structured, neutral setting to work toward a resolution. Counselors can also connect you with local legal aid if your case has reached court.

PRO TIP: All foreclosure prevention and default counseling from HUD-certified agencies is free. No legitimate counselor will charge an upfront fee to help you with your mortgage — that's a scam.

To find a currently approved HUD counselor in Washington:

Washington Homeownership Hotline: (877) 894-4663 — Mon–Fri 8am–5pm PST. This WSHFC-operated line connects you directly with a counselor in your area. Available in 220+ languages. This is the fastest way to get help.
HUD national locator: https://www.hud.gov/findacounselor or (800) 569-4287
WSHFC counselor finder: https://wshfc.org/ — use the ZIP-code search to find local agencies

The agencies listed below are organized by city. Agency details change — always call ahead to confirm current availability, and use the tools above for the most current HUD approval status.

Agencies SORTED by City

Call ahead to confirm current hours, services, and HUD approval status. Agency details change. The live locator at https://www.hud.gov/findacounselor is always more current than this list.

NeighborWorks of Grays Harbor County (Aberdeen NHS). 710 East Market Street, Aberdeen, WA 98520. (360) 533-7828.
Pre-purchase counseling, homebuyer education, foreclosure prevention. Website: https://www.nwghc.org/.
Kulshan Community Land Trust. 1715 C Street, Suite 201, Bellingham, WA 98225. (360) 671-5600.
Affordable homeownership, housing counseling, pre-purchase education. Website: https://www.kulshanclt.org/.
Bremerton Housing Authority. 110 Russell Road, Westpark Community Center, Bremerton, WA 98312. (360) 616-7151.
Pre-purchase and homeowner counseling. Website: https://bremertonhousing.org/.
Rural Resources Community Action. 956 South Main, Colville, WA 99114. (509) 685-6179.
Housing counseling alongside energy assistance and other community action services.
Clearpoint Credit Counseling (a division of MMI). Serves Washington statewide by phone and online; Seattle office at 9725 3rd Ave NE, Seattle, WA 98115. (800) 251-2227
Foreclosure prevention, mortgage default counseling, credit counseling, debt management. HUD-certified.
Housing Hope. 5830 Evergreen Way, Everett, WA 98203. (425) 347-6556.
Pre-purchase counseling, homebuyer education workshops, rental counseling, and housing services for those experiencing homelessness. Website: https://www.housinghope.org/.
Consumer Credit Counseling Services of the Tri-Cities — Kennewick. 401 North Morain Street, Kennewick, WA 99336. (509) 737-1973.
Housing counseling, pre-purchase, credit and budget counseling. English and Spanish.
Family Finance Resource Center. 1312 Hemlock Street, Longview, WA 98632. (360) 423-9197.
Financial management and housing counseling services.
Lower Columbia Community Action Program. 1526 Commerce Avenue, Longview, WA 98632. (360) 425-3430.
Community action agency providing housing counseling alongside energy and financial assistance.
OIC of Washington. 903 W. Third Avenue, Moses Lake, WA 98837. (509) 765-9206.
Housing counseling and homebuyer education.
Okanogan County Community Action. 424 2nd Avenue South, Okanogan, WA 98840. (509) 422-4041.
Housing counseling and community action services for rural north-central Washington. Website: https://occac.com.
Homeward Bound Community Land Trust. 905 W. 9th Street, Suite 134-B, Port Angeles, WA 98368. (360) 565-2068.
Affordable homeownership, pre-purchase counseling, and community land trust housing.
Community Action Center of Pullman. 350 SE Fairmont Road #1, Pullman, WA 99163. (509) 334-9147.
Housing counseling and financial assistance. Website: https://www.cacwhitman.org/.
El Centro de la Raza. 2524 16th Avenue South, Seattle, WA 98144. (206) 957-4639.
Mortgage delinquency and default counseling, pre-purchase counseling, homebuyer education workshops, financial and budget counseling. Bilingual Spanish/English.
HomeSight. Main office: 5117 Rainier Avenue South, Seattle, WA 98118. (206) 723-4355. HomeOwnership Center (counseling and lending): 4219 S Othello Street, Suite 130-B, Seattle, WA 98118. (206) 760-4205.
Foreclosure prevention and loss mitigation counseling, pre-purchase counseling, homebuyer education, rescue loans, purchase assistance. NeighborWorks HomeOwnership Center serving King, Pierce, and Snohomish counties. Multilingual. Website: https://homesightwa.org/.
Homestead Community Land Trust. 2524 16th Ave S, Suite 300, Seattle, WA 98144. (206) 323-1227.
Affordable homeownership counseling, pre-purchase education, land trust housing development.
InterIm CDA (formerly International District Housing Alliance). 601 South King Street, Suite 305, Seattle, WA 98104. (206) 623-5132.
Housing counseling serving the Chinatown/International District and Asian and Pacific Islander communities of greater Seattle. Multilingual: Cambodian, Cantonese, Mandarin, Vietnamese, Hindi, and others. Website: https://interimcda.org/.
Solid Ground Washington. 1501 North 45th Street, Seattle, WA 98103. (206) 694-6766.
Housing stability and counseling services connecting renters and homeowners with resources.
Urban League of Metropolitan Seattle. 105 14th Avenue, Seattle, WA 98122. (206) 461-3697.
Housing counseling alongside workforce development and economic empowerment services.
Washington State Housing Finance Commission (WSHFC). 1000 2nd Avenue, Suite 2700, Seattle, WA 98104. (206) 287-4449 or (800) 767-4663.
State housing finance agency overseeing homebuyer programs, the counseling network, and the Homeownership Hotline (877-894-4663). Not a direct counseling agency, but the coordinating body for the statewide network. Website: https://wshfc.org/.
Parkview Services. 18551 Aurora Avenue N, Suite 200, Shoreline, WA 98133. (206) 542-6644.
Pre-purchase counseling and homebuyer education. City of Seattle-approved for down payment assistance housing counseling.
Consumer Credit Counseling Services of the Inland Northwest (CCCS-INW). 4407 N. Division Street, Suite 814, Spokane, WA 99207. (866) 889-9347.
Mortgage delinquency and default counseling, homebuyer education, debt and credit counseling. English and Spanish.
Spokane Neighborhood Action Partners (SNAP). 3102 W. Whistalks Way, Spokane, WA 99224. (509) 456-7627.
Foreclosure prevention counseling and loans, pre-purchase counseling, homebuyer education, mortgage default assistance. Foreclosure prevention website: https://snapfinancialaccess.org/foreclosure-prevention/.
Fair Housing Center of Washington. 1517 Fawcett Avenue, Suite 250, Tacoma, WA 98402. (253) 274-9523.
Fair housing rights counseling, pre-purchase education, housing discrimination advocacy.
Pierce County Coalition for Developmental Disabilities (PC2 Homeownership). 3716 Pacific Avenue, Suite A, Tacoma, WA 98418. (253) 564-0707.
Homeownership counseling and education for people with developmental disabilities.
South Sound Outreach Services. 1106 Martin Luther King Jr. Way, Tacoma, WA 98405. (253) 593-2111.
Housing counseling and community support services.
Apprisen (formerly CCCS of the Midwest / Consumer Counseling Northwest). Serves western Washington statewide. Primary phone: (800) 355-2227. Local University Place/Tacoma inquiries: (253) 588-1858.
Mortgage default counseling, debt management, bankruptcy counseling. HUD-approved. Website: https://www.apprisen.com/.
Community Housing Resource Center. 103 E 29th Street, Vancouver, WA 98663. (360) 690-4496.
Housing counseling for Clark County residents.
Consumer Credit Counseling Services of the Tri-Cities — Walla Walla. 5 West Alder Street, Suite 240, Walla Walla, WA 99362. (509) 525-2132.

Housing counseling, pre-purchase counseling. English and Spanish. Website: https://cccsonline.org/.
Chelan/Wenatchee Housing Authority. 1555 South Methow Street, Wenatchee, WA 98801. (509) 663-7421.
Housing counseling and homeownership education for north-central Washington.
Catholic Charities Housing Services. 5301 Tieton Drive, Suite G, Yakima, WA 98908. (509) 853-2800.
Foreclosure prevention, pre-purchase counseling, housing stability services. Website: https://catholiccharitiescw.org/yakima/.
Apprisen (CCCS of Yakima Valley). 1115 West Lincoln Avenue, Yakima, WA 98902. (800) 355-2227.
Mortgage default and foreclosure counseling, credit counseling, debt management plans. HUD-approved.

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