Free Housing Help in Alabama — HUD-Certified Agencies by Region
Alabama's non-judicial foreclosure process is one of the fastest in the country — a lender can take a home without going to court in as few as 30 to 60 days. If you have missed mortgage payments or expect to miss one soon, contacting a HUD-certified housing counselor right away maybe gives you the best chance of working out a solution before the process gets beyond your control. Learn about the HUD counseling services in Alabama with a list of agencies below, by area.
All HUD-certified housing counseling in Alabama is free. Anyone who asks for money upfront to negotiate with your lender or stop a foreclosure is running a scam. Report it to the Alabama Attorney General at 334-242-7300. To reach a HUD-certified counselor by phone right now, call: 800-569-4287. If you are looking for other resource, see Alabama mortgage assistance program page.
Birmingham and Jefferson County
Birmingham has the largest concentration of HUD-certified agencies in the state. Several specialize in specific communities, including Latino residents and first-time buyers.
Urban League of Alabama (formerly Birmingham Urban League)
2101 6th Avenue North, Birmingham, AL 35203. Call 205-326-0162. Website: https://ulalabama.org/
A local affiliate of the National Urban League that now covers the entire state. It provides a full range of housing services including help for homeowners behind on payments, pre-purchase guidance for first-time buyers, financial education workshops, and support for renters.
Hispanic Interest Coalition of Alabama (HICA)
117 S. Crest Drive, Birmingham, AL 35209. Call 205-942-5505. Website: https://hicaalabama.org.
A Birmingham-based nonprofit serving Alabama's Latino and immigrant community for over 20 years. Offers free pre-purchase education, foreclosure prevention guidance, and financial literacy counseling in both English and Spanish. Also runs the Camino loan program to help Spanish-speaking residents access financing. One of the few agencies in the state providing housing services specifically in Spanish.
NACA — Neighborhood Assistance Corporation of America, Birmingham
529 Beacon Parkway West, Suite 204, Birmingham, AL 35209. Call 205-942-8111 | Toll-free: 617-250-6222. Website: https://www.naca.com/
A national nonprofit with a Birmingham office known for its work helping lower-income and minority homebuyers access affordable mortgage financing. Also provides foreclosure prevention counseling, predatory lending education, and pre-purchase guidance. Spanish-language services available.
Neighborhood Housing Services of Birmingham (NHSB)
601 37th Street South, Birmingham, AL 35222. Call 205-328-4292. Website: https://nhsbham.org/
A NeighborWorks America charter that offers free homebuyer education classes, individualized pre-purchase financial counseling, foreclosure prevention services, and home repair grants for existing owners through the Healthy Housing Initiative. Hosts the annual HomeWise Expo connecting homeowners with practical education and resources. Highly active and strongly recommended for Birmingham-area residents.
Operation Hope — Birmingham
2100 Park Place, Birmingham, AL 35203. Call 205-478-0557. Website: https://operationhope.org/
A national financial empowerment nonprofit with a Birmingham office. Provides free pre-purchase counseling, financial education workshops, and assistance for homeowners working to resolve or prevent mortgage delinquency.
United Way of Central Alabama — Housing Alliance
3600 8th Avenue South, Birmingham, AL 35222. Call 205-458-8964. Website: https://www.uwca.org/
Serves as a HUD-approved Regional Housing Counseling Intermediary, overseeing a network of agencies across Alabama, Georgia, Louisiana, Mississippi, and Tennessee. Also provides direct housing counseling services including foreclosure prevention, pre-purchase guidance, financial education, reverse mortgage counseling, and assistance for people at risk of homelessness. One of the most comprehensive organizations in the state.
East Central Alabama — Auburn
Alabama Council on Human Relations (ACHR)
950 Shelton Mill Road, Auburn, AL 36830. Call 334-821-8336. Website: https://www.achr.com/
A Lee County community action agency providing housing counseling alongside Head Start, adult education, and emergency services. Helps homeowners with mortgage delinquency, assists first-time buyers in preparing for a purchase, and provides rental counseling. English and Spanish services available.
North Alabama — Tennessee Valley Region
Community Action Partnership of North Alabama (CAPNA)
Main Office: 1909 Central Parkway SW, Decatur, AL 35601. Call 256-260-3108. Website: https://capna.org/
CAPNA serves a broad swath of northern Alabama and provides free mortgage delinquency and default counseling, pre-purchase guidance, home improvement and rehab counseling, financial education, and rental assistance. CAPNA also has branch locations in Cullman (107 2nd Ave NE, 256-260-3108) and Moulton (12529 AL Hwy 157 Suite K, 256-260-3108), though these branches offer rental counseling only — homeowners facing foreclosure should contact the Decatur main office.
Community Action Agency of Northwest Alabama (CAANW)
There are multiple offices as listed below. The main website is https://www.caanw.org/
- Florence: 745 Thompson Street, Florence, AL 35630 — 256-766-4330
- Russellville: 13150 Highway 43, Suite 4, Russellville, AL 35653 — 256-332-7534
- Sheffield: 505 N. Columbia Avenue, Sheffield, AL 35660 — 256-383-3832
Serves residents across the Shoals region and surrounding counties with free housing counseling, including mortgage delinquency and default help, pre-purchase education, fair housing workshops, and rental assistance. The Florence office is the main location for delinquency and foreclosure help.
Community Action Partnership, Huntsville/Madison & Limestone Counties
3516 Stringfield Road NW, Huntsville, AL 35810. Call 256-851-9800. Website: www.caa-htsval.org
A community action agency serving the Huntsville metro area. Provides pre-purchase homebuyer education, financial coaching, rental guidance, and services for residents at risk of homelessness.
Family Services Center
4092 Memorial Parkway SW, Suite 205, Huntsville, AL 35802. Call 256-551-1610. Website: https://fsc-hsv.org/
A United Way affiliate providing housing and financial empowerment counseling to Huntsville-area residents. Offers help for homeowners facing mortgage delinquency, pre-purchase guidance, rental counseling, budgeting, and credit education.
Walker County Community Action Agency
644 19th Street West, Jasper, AL 35501. Call 205-221-4011. Website: https://caawalker.org/
Serves Walker County residents with a full range of housing counseling services including mortgage delinquency and default resolution, pre-purchase guidance, fair housing education, predatory lending education, and rental assistance.
NID-HCA — Madison
107 Brookridge Drive, Suite C, Madison, AL 35758. Call 256-850-3132. Website: https://www.nidhousing.com/
Affiliated with the National Association of Real Estate Brokers. Provides pre-purchase counseling, home improvement and rehabilitation counseling, and rental assistance for Madison and surrounding communities in north Alabama.
Mobile and Southwest Alabama
Lifelines Counseling Services (formerly CCCS of Mobile)
705 Oak Circle Drive East, Mobile, AL 36609. Call 251-602-0011. Website: https://www.lifelinesmobile.org/
A Mobile-area nonprofit — formerly Consumer Credit Counseling Services of Mobile — offering housing and financial counseling alongside mental health, family, and crisis services. Helps homeowners facing mortgage delinquency or default, walks first-time buyers through the purchase process, and provides rental guidance and predatory lending education. Affiliated with United Way of Southwest Alabama and the National Foundation for Credit Counseling.
Center for Fair Housing
602 Bel Air Boulevard, Mobile, AL 36606. Call 251-479-1532. Website: https://www.sacfh.org/
Focuses on fair housing education and enforcement for Mobile-area residents. Also provides pre-purchase counseling and mortgage delinquency help. Important resource for homeowners who believe they may have experienced housing discrimination in addition to financial difficulty.
Housing Authority of the City of Prichard
200 East Prichard Avenue, Prichard, AL 36610. Call 251-283-0111. Website: https://www.prichardhousing.com/
Provides a broad range of housing counseling to Prichard and surrounding Mobile County communities, including fair housing education, pre-purchase guidance, foreclosure prevention, and rental assistance.
Central Alabama — Montgomery Region
Legal Services Alabama
2567 Fairlane Drive, Suite 300, Montgomery, AL 36116. Call 866-456-4995 | Foreclosure Hotline: 1-877-393-2333. Website: https://legalservicesalabama.org/
While primarily a civil legal aid organization, Legal Services Alabama is also a HUD-certified housing counseling agency. LSA provides free legal advice and representation to low-income Alabamians statewide on housing matters including foreclosure, loan modifications, and predatory lending. LSA has offices in eight cities — Anniston/Gadsden, Birmingham, Dothan, Huntsville, Mobile, Montgomery, Selma, and Tuscaloosa — and serves all 67 Alabama counties. For homeowners in foreclosure, Legal Services Alabama is often the most powerful resource available. Call the foreclosure hotline to speak with someone right away.
West Alabama — Tuscaloosa Region
City of Tuscaloosa — Office of Community and Neighborhood Services
2201 University Boulevard, Tuscaloosa, AL 35401. Call 205-248-5080. Website: https://www.tuscaloosa.com/
The City of Tuscaloosa's housing department provides pre-purchase counseling, financial and budgeting education, and rental guidance for city residents. Primarily serves buyers preparing for homeownership and renters navigating their housing situation.
Community Service Programs of West Alabama (CSP)
601 Black Bears Way, Tuscaloosa, AL 35401. Call 205-469-0394. Website: https://www.cspwal.com/
A NeighborWorks America partner and longstanding community action agency serving 11 west Alabama counties. Provides a comprehensive range of housing services: mortgage delinquency and default resolution, pre-purchase counseling, home improvement and rehab counseling, financial education workshops, and rental assistance. CSP also develops affordable housing and administers home repair and weatherization programs across the region. One of the strongest all-around housing resources in west Alabama.
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