Want advice on buying a home, renting, default, foreclosure, credit issues or reverse mortgages? HUD sponsors certain housing counseling agencies throughout the country who in turn give advice free or at low cost.

Search online for a counseling agency near you, or call HUD's interactive voice response system at: (800) 569-4287.

If you are facing foreclosure, you need to act now!

Reverse mortgages (HECM) are a good option for some seniors and a local HECM housing counselor may will be able to counselor you about the options and what to be wary of. Some HECM counselors serve nationwide.