Kansas HUD-Certified Housing Counseling Agencies: Free or Low-cost Housing Services.
Kansas is home to some of the most affordable housing markets in the country, but that affordability has eroded in the Kansas City metro and Wichita. For homeowners who are struggling to keep up with their mortgage, or who've faced income disruptions in the state's significant agricultural, manufacturing, and health care sectors, HUD-certified counseling (with details on them below) is an effective first step — not a last resort.
HUD-certified housing counseling agencies provide free or low cost, one-on-one guidance to homeowners and buyers. A counselor will review your financial situation, contact your servicer on your behalf, and walk through every available option, from loan modifications and repayment plans to more difficult decisions if keeping the home is no longer realistic. There is no fee for this counseling. Legitimate foreclosure counseling in Kansas is always free. If anyone asks for upfront payment to help modify your loan or stop a foreclosure, that is a scam — walk away.
To locate an agency by zip code or speak to a counselor over the phone, call the HUD national housing counseling hotline: 800-569-4287. Consumer Financial Protection Bureau also has a search service/locator at https://www.consumerfinance.gov/find-a-housing-counselor/ to find a HUD agency.
Kansas City Metro — Wyandotte County
Kansas City, Kansas has faced decades of disinvestment that its housing market is only partially recovering from. Wyandotte County has a high share of older housing stock, lower median incomes than the broader KC metro, and a large Hispanic community that has historically been underserved by mainstream financial institutions. The one HUD-certified agency operating here has deep roots in the neighborhood-level work that makes counseling actually useful.
Build WyCo (Community Housing of Wyandotte County)
2 S 14th Street, Kansas City, KS 66102. Pone 913-342-7580. Website: https://buildwyco.org/
Provides free and low cost homebuyer education, pre-purchase counseling, financial education, and foreclosure prevention counseling for Wyandotte County residents. Built and renovated more than 500 homes in KCK neighborhoods over 25 years, so counselors understand local market realities firsthand. Spanish-language services available.
Topeka and Northeast Kansas
Topeka's housing market reflects the state's capital city dynamic — stable public employment anchoring demand, with pockets of distressed stock in older neighborhoods. Northeast Kansas including Lawrence and Douglas County is served by the same organization, now operating under national nonprofit Money Management International.
Money Management International (formerly HCCI)
Topeka office: 1195 SW Buchanan Street, Suite 101, Topeka, KS 66604. Toll-free: 800-383-0217 or local: 785-234-0217. Website https://www.moneymanagement.org/.
Housing and Credit Counseling, Inc. (HCCI) merged with Money Management International. The Topeka office continues to offer in-person appointments. Services include mortgage delinquency and default counseling, pre-purchase counseling, and the Topeka Opportunity to Own (TOTO) program, which helps Topeka residents become first-time homeowners through education, financing, and home rehabilitation. Tenant-landlord counseling for both renters and landlords in Shawnee County is also available. No one is turned away for inability to pay.
For Lawrence and Douglas County: MMI/HCCI does not maintain a physical Lawrence office but provides full remote and phone counseling services to northeast Kansas residents. Call 800-383-0217 to schedule.
Central Kansas — Salina
Salina serves as the commercial hub for north-central Kansas, a market driven largely by agriculture and related industries. Phone counseling for the region is available.
Consumer Credit Counseling Service / Cambridge Credit Counseling
Phone in the Salina area: 785-515-2012. Website https://www.cambridge-credit.org/
Consumer Credit Counseling Service, Inc merged its operations with Cambridge Credit Counseling. Counselors remain reachable at 785-515-2012 for central and western Kansas residents. Services include mortgage delinquency counseling, pre-purchase counseling, reverse mortgage counseling, and debt management programs. In-person appointments are available at the Wichita office.
Wichita and South Central Kansas
Wichita is Kansas's largest city and its economic engine, with a housing market shaped by the aviation and manufacturing sectors. Home prices have climbed in recent years but remain below national averages, making pre-purchase counseling particularly valuable for first-time buyers who may be close to qualifying but need credit or budget help to get there.
Consumer Credit Counseling Service / Cambridge Credit Counseling
727 N Waco Avenue, Suite 280, Wichita, KS 67203. Phone 316-265-2000 or Toll-free: 800-882-0808.
CCCS's Wichita operation continues in person at the same North Waco location under the Cambridge Credit Counseling brand. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, reverse mortgage counseling, bankruptcy counseling, and credit report reviews. Also serves as the counseling point of contact for central and western Kansas via phone. United Way of the Plains funded partner.
Related Content From Needhelppayingbills.com
|
Need help navigating programs?