Who can I call first if I’m behind on my mortgage?

Start with a HUD-certified housing counselor. They can contact your servicer, explain timelines, and help you apply for relief programs. Find counselors via HUD or your state housing agency.

Are foreclosure ‘relief’ companies legit?

Be cautious. Avoid anyone who asks for upfront payment or pressures you to sign over your deed. Use HUD-approved counselors and check complaints at consumerfinance.gov/complaint.

Where do I find the most accurate foreclosure filings?

County clerk and recorder websites publish filings first. Commercial platforms are useful for research—compare options in our Best Foreclosure Websites guide.

Foreclosure Help & Resources Guide (2025) | Foreclosure Websites Comparisons

Foreclosure Help & Resources Guide (2025 Update)

Updated October 2025

If you’re trying to make sense of foreclosure—whether you’re behind on payments or researching investments—this page collects verified places to get real help, not spammy “relief” offers or expired links. Everything here comes from official agencies or longstanding housing organizations we’ve personally vetted while running ForeclosureWebsitesComparisons.com.

1. Federal Help & Counseling Programs

HUD (U.S. Department of Housing and Urban Development)

HUD runs a national network of certified housing counselors who can review your loan, contact your servicer, and walk you through options before things snowball.

hud.gov/hudhomes

FHA National Servicing Center

Have an FHA-insured mortgage? Call the FHA Servicing Center to discuss repayment plans or partial claim options that may help you catch up.

Phone: 1-877-622-8525

Consumer Financial Protection Bureau (CFPB)

Clear, plain-English guidance on foreclosure, complaint filing, and how to ensure your servicer follows the rules.

consumerfinance.gov/mortgage-help

2. State & Local Options

Foreclosure timelines and options vary by state. Most have a housing finance agency and/or legal-aid network that can step in early.

State
Program
What It Does

California

CalHFA Mortgage Relief

Helps eligible homeowners cover missed payments.

Florida

Florida Housing Finance Corp.

Administers the Homeowner Assistance Fund for past-due borrowers.

Texas

Texas Department of Housing & Community Affairs

Connects residents to HUD-approved counselors statewide.

Quick tip: Use HUD’s directory to find help near you. Search “housing counseling agency [your state]” on HUD’s site and call the nearest certified office.

3. Trusted Nonprofits & Legal Aid

NeighborWorks America — Local nonprofit counselors who negotiate with servicers daily.
Legal Services Corporation (LSC) — Funds legal-aid offices; find local help at lsc.gov.
National Foundation for Credit Counseling (NFCC) — Certified financial and mortgage counseling.

Legitimate groups won’t ask you to pay upfront fees or sign over your deed. If someone pushes either, that’s your cue to walk away.

4. Research Tools & Foreclosure Websites

For property research, start with your county clerk/recorder—they publish filings before most commercial websites do.

We also test listing platforms and track which ones stay current. See our current picks: Best Foreclosure Websites for 2025.

5. How to Avoid Scams

Never pay anyone upfront to “guarantee” a loan modification.
Don’t sign over your deed or title to a third party.
Verify complaints and company records at consumerfinance.gov/complaint.
HUD-approved counselors will not pressure you to act on the spot.

Final Thoughts

Foreclosure is stressful, but you’re not stuck. Call a counselor, explore your state’s relief programs, and document everything with your servicer. If you’re researching listings or investments, compare platforms carefully—our foreclosure website reviews outline what’s actually worth paying for.

Last updated: October 2025

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