Housing counseling

Housing counselors guide and advise consumers who are buying or renting a home, are homeless, are seeking reverse mortgages, have credit issues or are at risk of default or foreclosure. Housing counselors educate first-time homebuyers, help homebuyers select the right mortgage product and help buyers avoid predatory lenders.

RCAC is a HUD-approved national intermediary, and as such, provides technical assistance, training, and financial support to many housing counseling agencies serving rural communities throughout RCAC’s service area. RCAC’s Housing Counseling program builds the capacity of established and emerging housing counseling agencies, including Tribal-based organizations. For a nationwide list of HUD-approved housing counseling agencies, visit HUD’s website. If you are interested in becoming a HUD-approved counseling agency through RCAC, please request a letter of interest package via email here:

RCAC’s assistance to housing counseling agencies includes:

  • Housing counseling program planning and development
  • Internal systems and effective tracking of housing counseling clients
  • Marketing strategies for housing counseling programs
  • HUD housing counseling rules, regulations, and procedures
  • Fiscal management
  • Accessing other housing counseling financial resources
  • Pre & post-purchase housing counseling curriculum design
  • How to set up a foreclosure prevention program
  • Anti-predatory lending
  • Individual Development Accounts (IDA’s)
  • Fair housing

Please note that RCAC does not provide counseling services directly.

In 2016, RCAC became a HUD training partner. Classes are available to those employed by a HUD-approved counseling agency. Visit our Housing Counseling training page for registration, fees and scholarship information.

Weekly newsletter and training notifications

Sign up for our Housing Counseling Newsletter HERE.

Sign up for our upcoming housing counseling trainings list HERE.

Contact housing counseling staff

If you would like to contact an RCAC housing counseling staff member, email:

Helpful links

Find a housing counselor: Find a Housing Counselor – HUD Exchange—The Help Homebuyers Shouldn’t Ignore