Free HUD-Approved Housing Counseling Agencies in Wisconsin — Find Help by City.
HUD-certified housing counselors are independent nonprofit professionals whose job is to work on your behalf — not the lender's. In Wisconsin, they are available in cities across the state (as listed below) and serve as the primary free resource for homeowners dealing with mortgage default, people preparing to buy a home for the first time, and anyone who needs help navigating housing costs and credit.
The Wisconsin Housing and Economic Development Authority (WHEDA) coordinates the statewide counseling network. A HUD counselor will review your finances and mortgage documents with you, explain every option your servicer is required to consider, communicate with your lender on your behalf, and refer you to legal aid if your situation has reached that point. To find a HUD-certified counselor in Wisconsin.
For homeowners already behind on payments, reaching a counselor early gives you the most options. For prospective buyers, one-on-one pre-purchase counseling and homebuyer education workshops can help you understand loan products, build credit, and access down payment assistance — including WHEDA's programs.
SCAM WARNING: All foreclosure prevention counseling is free. No legitimate HUD-certified counselor charges an upfront fee for mortgage help. If anyone asks for payment to modify your loan or stop a foreclosure, it is a scam.
Agencies Sorted by City
Agency details change. Always call ahead to confirm current services and HUD approval status. Use the locator tools above for the most current verified list.
NeighborWorks Blackhawk Region — NHS of Beloit. 520 W Grand Ave, Beloit, WI 53511. (608) 362-9051.
Mortgage delinquency and default counseling, pre-purchase counseling, homebuyer education, reverse mortgage counseling, predatory lending education. NeighborWorks America affiliate. Website: https://nwblackhawkregion.org/
CCCS of Sheboygan — Fond du Lac. 17 Forest Avenue, Suite 016, Fond du Lac, WI 54935. (920) 907-4344. Toll-free: (800) 350-2227.
Mortgage default and foreclosure counseling, pre-purchase counseling, budget and financial management, rental housing counseling. Website: https://cccsonline.org/
Catholic Charities Diocese of Green Bay. 1825 Riverside Drive, Green Bay, WI 54301. (920) 272-8234. Toll-free: (877) 500-3580.
Mortgage default counseling, pre-purchase counseling, financial management, home improvement and rehabilitation counseling, rental counseling, services for homeless. English and Spanish. Website: https://catholiccharitiesgb.org/.
NeighborWorks Green Bay. 437 S. Jackson Street, Green Bay, WI 54301. (920) 448-3075.
Mortgage delinquency and default counseling, pre-purchase counseling, homebuyer education, home improvement and rehabilitation counseling, reverse mortgage counseling, fair housing education. English and Spanish. Website: https://nwgreenbay.org/.
City of Kenosha Housing Authority. 625 52nd Street, Room 98, Kenosha, WI 53140. (262) 653-4120.
Pre-purchase counseling, homebuyer education, fair housing education, rental housing counseling, financial management workshops. Multilingual: Arabic, English, French, Hmong, Russian, Spanish.
Catholic Charities La Crosse, Inc. 3710 East Avenue South, La Crosse, WI 54601. (608) 782-0710.
Mortgage default and foreclosure counseling, pre-purchase counseling, rental counseling, fair housing education, services for homeless. Website: https://cclse.org/.
CCCS of Sheboygan — La Crosse. 505 King Street, Suite 212, La Crosse, WI 54601. (844) 307-7220. Toll-free: (800) 350-2227.
Mortgage default counseling, pre-purchase counseling, financial management, rental housing counseling.
Wisconsin Native Loan Fund. 705 Peace Pipe Lane, Lac du Flambeau, WI 54538. (715) 588-1600.
Mortgage default and default resolution counseling, pre-purchase counseling, homebuyer education, home improvement and rehabilitation counseling, financial management, rental housing counseling. Serves tribal and rural communities in northern Wisconsin. Website: https://www.winlf.org/.
GreenPath Financial Wellness. 725 Heartland Trail, Suite 110, Madison, WI 53717. (888) 893-2715.
Mortgage delinquency and default counseling, pre-purchase counseling, homebuyer education, financial management. Website: https://www.greenpath.com/.
Movin' Out, Inc. 902 Royster Oaks Drive, Suite 105, Madison, WI 53714. (608) 251-4446 ext. 7. Toll-free: (877) 861-6746.
Pre-purchase counseling, homebuyer education, financial management, home improvement and rehabilitation counseling. Specializes in homeownership for people with disabilities. Website: https://www.movin-out.org/.
Tenant Resource Center. 1202 Williamson Street, Suite A, Madison, WI 53703. (608) 257-0006.
Housing counseling, tenant and renter education, eviction prevention resources. Website: tenantresourcecenter.org
Goodwill Industries of North Central Wisconsin — Menasha. 1800 Appleton Road, Menasha, WI 54952. (800) 366-8161.
Mortgage delinquency and default counseling, pre-purchase counseling, rental housing counseling, services for homeless. Website: https://goodwillncw.org/financial-and-debt-solutions.
ACTS Housing. 2414 W. Vliet Street, Milwaukee, WI 53205. (414) 933-2215.
Pre-purchase counseling, home improvement and rehabilitation counseling, financial management. Serves Milwaukee homebuyers and homeowners. English, Hmong, and Spanish. Website: actshousing.org
Community Relations–Social Development Commission. 1730 W. North Avenue, Milwaukee, WI 53205. (414) 906-4613.
Pre-purchase counseling, homebuyer education, home improvement and rehabilitation counseling, financial and budgeting workshops.
Housing Resources, Incorporated — Milwaukee. 7830 W. Burleigh Street, Milwaukee, WI 53222. (414) 461-6330.
Mortgage delinquency and default counseling, pre-purchase counseling, homebuyer education, home improvement and rehabilitation counseling, reverse mortgage counseling. English and Spanish. Website: https://www.hri-wi.org/.
NACA (Neighborhood Assistance Corporation of America) — Milwaukee. 4011 W. Capitol Drive, Suite 100, Milwaukee, WI 53216. (414) 442-6222.
Mortgage delinquency and default counseling, pre-purchase counseling, homebuyer education, fair housing education. Multilingual: English, Spanish, Mandarin, Vietnamese.
United Community Center. 1028 S. 9th Street, Milwaukee, WI 53204. (414) 384-3100.
Mortgage default and foreclosure counseling, pre-purchase counseling, homebuyer education, financial management. English and Spanish. Website: https://www.unitedcc.org/.
Goodwill Industries of North Central Wisconsin — Oshkosh. 1600 W. 20th Avenue, Oshkosh, WI 54902. (920) 966-1200. Toll-free: (800) 366-8161.
Mortgage delinquency and default counseling, pre-purchase counseling, home improvement and rehabilitation counseling, rental housing counseling, services for homeless. Website: goodwillncw.org
Housing Resources, Inc. — Racine. 500 Wisconsin Avenue, Suite 205, Racine, WI 53403. (262) 636-8271.
Mortgage default and foreclosure counseling, pre-purchase counseling, homebuyer education. English and Spanish. Website: https://www.hri-wi.org/,
Neighborhood Housing Services of SW Wisconsin. 125 E. Seminary Street, Richland Center, WI 53581. (608) 647-4949.
Mortgage delinquency and default counseling, pre-purchase counseling, homebuyer education, home improvement and rehabilitation counseling, financial management, predatory lending education. NeighborWorks America affiliate.
CCCS of Sheboygan — Sheboygan. 1930 N. 8th Street, Sheboygan, WI 53081. (920) 458-3784. Toll-free: (800) 350-2227.
Mortgage default and foreclosure counseling, pre-purchase counseling, homebuyer education, fair housing education, financial management, rental housing counseling. English, Hmong, and Spanish.
Agency information changes frequently. Verify current HUD approval status and contact details before visiting. This page does not constitute legal advice.
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