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Housing Help
Housing Counseling Gives You the Help You Need
Whether you rent, own or want to buy a home, we can help you reach your goals and maintain financial security. As a HUD-approved housing counseling agency, we offer counseling and educational services to help you make the right move when it comes to your housing needs. As a nonprofit, you can trust our objective and personalized guidance; you are our priority. Take advantage of these services by participating in personalized one on one counseling tailored to you unique situation and by accessing our online educational resources.
Please let us know if you have a disability, language barrier or any impairment that may affect your access to our services. Call 866-987-2008 or email housing@takechargeamerica.org so that we may assist you in making alternative arrangements.
Housing Counseling Services
Pre-Purchase Housing Counseling
Pros and cons of buying a home
Fair housing guidelines
Search considerations and housing options
Affordability, upfront costs and ongoing costs
Mortgage types and options
Application process
Protecting your investment
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
Post-Purchase Housing Counseling
Routine maintenance and repairs
System maintenance schedule
Home safety and emergency preparedness
Home improvement and financing options
Avoiding foreclosure and default options
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
‘Make Your Move’ Online Homebuyer Education
Pros and cons of renting vs. buying
Budgeting and credit
Pre-approval vs. pre-qualification for a home loan
Finding the right lender
Housing affordability and sustainability
Closing process and loan costs
Loan types
Home search and inspection
Foreclosure prevention
Home maintenance, improvement and repair
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
Rental Counseling
Pros and cons of renting
Fair housing guidelines
Search and rental unit options
Affordability, upfront costs and ongoing costs
Tenant and landlord responsibilities
Application process
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
Delinquency Housing Counseling
If you are struggling to make your mortgage or rent payments, our certified housing counselors can provide one-on-one guidance. From revisiting your budget to evaluating transition strategies, we will help you develop an action plan based on your specific needs. During your session, we will complete a financial review and discuss:
Pros and cons of staying in your home
Options to maintain current housing
Available resources
Foreclosure process (for homeowners)
Eviction process (for renters)
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
Need Help? Contact Us
Have questions or need support? Our team is here to assist you.
Have Questions? We’re Here to Help
Is your credit counseling really free?
Yes. Our initial credit counseling sessions are confidential and free, giving you clarity on your finances without pressure.
How can Take Charge America help me with my debt?
We explain your options, including credit counseling, debt management, consolidation, and settlement, so you can make informed decisions for your situation.
Do I have to enroll in a program to get help?
No. You can access guidance and educational resources without enrolling in a repayment program.
Need a clear plan for your debt?
Talk with a certified counselor!
- Sessions are free, confidential and no pressure to enroll.
- Personalized review of your situation
- No obligation
A Trusted Nonprofit Resource Recognized Nationwide
