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Free HUD-Approved Housing Counseling Agencies in South Carolina — Foreclosure Help by City.
HUD-certified housing counseling agencies provide free or low-cost help to South Carolina homeowners who are struggling with mortgage payments, facing foreclosure, or working to stabilize their housing. These agencies, with locations and details listed below, are nonprofits that work independently of your lender — their job is to advise you, not the bank.
A counselor can review your finances and mortgage documents, explain your options under South Carolina's judicial foreclosure process, prepare a loss mitigation package for your servicer, and help you communicate with your lender. For homeowners who have received a foreclosure complaint, getting to a counselor quickly matters — the 30-day deadline to respond to the court complaint begins as soon as you are served.
SCAM ALERT: Services are free for most homeowners. Foreclosure prevention counseling should never cost anything upfront. If anyone asks for a fee to help modify your loan or stop a foreclosure, treat it as a scam.
To find a currently approved agency near you at any time, use HUD's live locator at https://answers.hud.gov/housingcounseling/s/?language=en_US or call (800) 569-4287. SC Housing also maintains an agency finder at https://schousing.sc.gov/homeowners/avoid-foreclosure and confirms the HUD-approved agencies currently serve South Carolina in person and by phone.
Agencies by city
Agency details change over time. Always call ahead to confirm hours, services, and current HUD approval status before visiting. The live locator tools above will always be more current than this list.
Allendale
- Allendale County ALIVE, Inc.. Call 803-584-3600. Address 611 Mulberry St., Building B, Allendale, SC 29810.
Bennettsville
- Community Development Corporation of Marlboro County. Phone 843-454-2188. Address: 106 E. Market Street, Bennettsville, SC 29512
Services: mortgage delinquency and default resolution counseling, pre-purchase counseling, financial management/budget counseling.
Bluffton
- Habitat for Humanity of Beaufort County. Phone 843-757-5864
Services the Bluffton/Hilton Head area. Contact to confirm current address and HUD-approved counseling availability.
Charleston / North Charleston area
- Origin SC (HUD-approved, NeighborWorks America charter member). Phone: 843-628-4236. Address: 8084 Rivers Ave, North Charleston, SC 29406. Website: https://www.originsc.org/.
Origin SC is the primary HUD-certified housing counseling agency serving the Charleston tri-county area. Services include foreclosure prevention counseling, mortgage delinquency assistance, homebuyer education, and financial counseling. Foreclosure prevention counseling is free.
- NACA (Neighborhood Assistance Corporation of America) — Charleston. Phone: 843-556-0497. Address: 7301 Rivers Ave, North Charleston, SC 29406.
Services: mortgage delinquency and default resolution counseling, pre-purchase counseling, financial management/budget counseling. Spanish services available.
Columbia
- Community Assistance Provider, Inc.. Phone: 803-771-0050. Address: 2800 North Main Street, Columbia, SC 29201
- Family Service Center of South Carolina. Phone: 803-733-5450. Address: 2712 Middleburg Drive, Suite 207-A, Columbia, SC 29204. Call ahead to confirm current suite and hours.
- Midlands Community Development Corporation. Phone: 803-647-9111. Address: 2430 Atlas Road, Columbia, SC 29209
- NACA (Neighborhood Assistance Corporation of America) — Columbia. Phone: 803-255-0223. Address: 1631 Richland Street, Columbia, SC 29201.
Services: mortgage delinquency and default resolution counseling, pre-purchase counseling, financial management/budget counseling.
- Telamon Corporation — South Carolina. Phone: 919-239-8072. Address: 2000 Park Street, Suite 103, Columbia, SC 29201. Website: https://www.telamon.org/where-we-work/south-carolina/.
Telamon is a HUD-certified national intermediary. Services include foreclosure prevention counseling, loss mitigation assistance, and homebuyer education. Statewide coverage; Spanish services available.
Graniteville
- Community Development & Improvement Corporation. Phone: 803-663-6848. Address: 560 Jefferson Davis Highway, Graniteville, SC 29829
Greenville
- Greenville County Human Relations Commission. Phone: 864-467-7095. Address: 301 University Ridge, Suite 1600, Greenville, SC 29601.
- Urban League of the Upstate. Phone: 864-244-3862. Address: 15 Regency Hill Dr., Greenville, SC 29607. Website: https://urbanleagueupstate.org/.
Moncks Corner
- Trident United Way — Berkeley County Service Center. Phone: 843-740-9000. Address: 325 East Main Street, Moncks Corner, SC 29461.
Myrtle Beach
- Myrtle Beach Housing Authority. Phone: 843-918-1525. Address: 605 10th Avenue North, Myrtle Beach, SC 29577
Spartanburg
- Operation Restoration. Phone: 864-342-0907. Address: 469 Gentry Street, Spartanburg, SC 29303
Call ahead to confirm current HUD-approved counseling availability.
- Spartanburg Housing Development Corp.. Phone: 864-504-3092. Address: 139 S. Dean Street, Spartanburg, SC 29302
- Telamon Corporation — Spartanburg. Phone: 864-573-8783. Address: 2397 S. Pine Street, Spartanburg, SC 29302.
Summerville
- Trident United Way — Dorchester Service Center. Phone: 843-821-5000. Address: 117 South Main Street, Summerville, SC 29483.
Sumter
- Santee-Lynches Affordable Housing and Community Development Corporation. Phone: 803-436-0020. Address: 225 Broad Street, Sumter, SC 29150.
Services include homebuyer counseling, pre-purchase education, and housing assistance across a 15-county service area.
- Sumter County Community Development Corporation. Phone: 803-436-2276. Address: 337 Manning Avenue, Sumter, SC 29150
Agency information changes. Verify current HUD approval status and contact details before visiting or submitting documents. This page does not constitute legal advice. If you have received a foreclosure complaint in South Carolina, the 30-day deadline to respond begins immediately — contact a counselor or attorney promptly.
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