Utah HUD-Certified Foreclosure Prevention and Free Housing Counseling Agencies
This page is a plain-English guide to free HUD counseling agencies in Utah, including what services they provide and how they help residents. What makes the state’s network of HUD-certified agencies, which are listed below, worth understanding is how it's organized. Utah State University operates a housing and financial counseling program through its extension system, with offices in Logan, Ogden, and Salt Lake City — an unusual setup that brings university-trained counselors into the mix. Beyond USU, independent nonprofit agencies cover the Wasatch Front and southern Utah.
Utah processes foreclosures without court involvement, which means the timeline from a first missed payment to a completed sale is shorter than many homeowners expect — sometimes as few as four months. This is a major reason why it is critical to get housing counseling early. On the Wasatch Front and in Washington County around St. George, home prices have climbed steeply over the past several years, making the stakes of missing payments higher than they were when many of these mortgages were originated.
- All legitimate help from a HUD-certified agency is free or low cost / income based. Any individual or company that asks for upfront money to negotiate with your lender or stop a foreclosure should be reported to the Utah Division of Consumer Protection at 801-530-6601.
HUD also has a national customer support team/hotline. To find a HUD-certified agency by phone or zip code, call the national hotline at 800-569-4287. Or use the HUD website at https://www.hud.gov/findacounselor to query.
Cache Valley — Logan
Neighborhood Nonprofit Housing Corporation (NNHC)
195 Golf Course Road, Suite 1, Logan, UT 84321. Call 435-753-1112
A community development nonprofit serving Cache Valley since the 1990s, affiliated with the Rural Community Assistance Corporation. Helps homeowners who have fallen behind on payments work through options with their lender, assists first-time buyers in getting mortgage-ready, and offers reverse mortgage guidance for seniors. Also builds and sells affordable homes locally and manages affordable rental properties. Open generally Monday through Thursday 8am to 4:30pm, Fridays by appointment.
Utah State University — Housing and Financial Counseling
Sorenson Center for Clinical Excellence, Logan, UT 84322. Call 435-797-7224. Email is [email protected]. Website: https://cehs.usu.edu/scce/services/housing-financial-counseling.
USU's Housing and Financial Counseling program operates out of the Sorenson Center on the Logan campus and serves Cache, Box Elder, and Rich counties. Run by university-trained counselors, the program offers one-on-one sessions for homeowners in default, people exploring reverse mortgages, and individuals working to improve their credit and budget before buying. A free monthly homebuyer education workshop and financial workshops are held weekly or monthly as well.
Ogden — Weber County
Utah State University — Weber County Extension
1181 N Fairgrounds Drive, Ogden, UT 84404. Call 801-399-8200. Website: https://extension.usu.edu/finance/home-buyer-education-course-face-to-face
The USU Weber County Extension offers in-person homebuyer education classes for first-time buyers. This is an educational workshop program — it does not provide one-on-one help for homeowners in foreclosure. Those in Weber County facing mortgage trouble should contact the USU Logan office or call the national HUD hotline.
Utah Valley
NeighborWorks Mountain Country Home Solutions
1031 W Center Street, Suite 302, Orem, UT 84057. Call 801-375-5820. Website: https://neighborworksmchs.org/
A NeighborWorks America chartered member with more than 30 years of experience in Utah. Works with homeowners who are behind on their mortgage to explore options and engage with their lender. The non-profit also helps renters understand their rights and options, walks first-time buyers through the entire purchase process, and provides guidance for seniors considering a reverse mortgage. Also active in developing workforce housing across rural and southern Utah through a network of community projects.
Community Action Services and Food Bank
815 S Freedom Boulevard, Suite 100, Provo, UT 84601. Call 801-373-8200. Website: https://communityactionprovo.org/
A community action agency serving Utah, Juab, Wasatch, Summit, and Morgan counties. Their HUD-certified housing program helps first-time buyers prepare financially for homeownership and walks them through the purchase process. Note: this agency focuses on pre-purchase education rather than foreclosure prevention — homeowners already behind on their mortgage should call the national HUD hotline or contact NeighborWorks MCHS in Orem. Multilingual services available in English, Spanish, Portuguese, and Vietnamese.
Salt Lake City and the Wasatch Front
Community Development Corporation of Utah (CDC Utah)
501 E 1700 South, Salt Lake City, UT 84105. Call 801-994-7222. Website: https://cdcutah.org/.
One of the most comprehensive HUD-certified agencies in the state, operating since 1990. Helps homeowners facing default understand their options and engage with lenders, provides pre-purchase coaching for buyers through the HomeStart program (which includes a 3:1 matched savings opportunity for eligible participants), and handles home repair and rehabilitation grants for existing owners. One of only five organizations in the country to administer HUD's Asset Control Area program, through which they purchase and rehabilitate foreclosed homes in Salt Lake and parts of Davis County. Spanish-language services available.
Utah State University — Salt Lake County Extension
2001 South State Street S1-300, Salt Lake City, UT 84190. Call 385-468-4822 or email [email protected]. Website: https://extension.usu.edu/finance/homebuyer
The USU Salt Lake County Extension offers homebuyer education classes for first-time buyers. Like the Weber County location, this is an education-only program — it is not set up for one-on-one help with homeowners in default. Those in Salt Lake County facing foreclosure should contact CDC Utah or call the national HUD hotline.
St. George and Southern Utah
Southern Utah's two HUD-certified agencies both serve the Washington County area and surrounding communities. Housing prices in the St. George area have risen significantly, and the region is geographically isolated enough that having local help available matters.
Sun Country Home Solutions
382 S Bluff Street, Suite 150, St. George, UT 84770. Call 435-218-7189. Website: https://suncountryhomesolutions.org/
A HUD-certified nonprofit operating as a branch of NeighborWorks Mountain Country Home Solutions, dedicated specifically to southern and rural Utah. Helps homeowners at risk of foreclosure explore their options and works with lenders on their behalf, guides first-time buyers through the purchase and financing process, assists renters, and provides guidance for seniors on reverse mortgages. Has developed affordable housing projects across Washington, Kane, Garfield, and Sevier counties.
Navicore Solutions
St. George Executive Suites, 169 W 2710 South Circle, Suite 202, St. George, UT 84790
866-472-4557. Website: https://navicoresolutions.org/
A national nonprofit with a St. George location offering HUD-certified help for homeowners facing foreclosure, first-time buyers preparing to purchase, renters, and those needing home improvement or rehabilitation guidance. Phone-based services are also available nationwide for southern Utah residents who cannot visit in person. Accredited by the Council on Accreditation and a member of the National Foundation for Credit Counseling.
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