As the nation continues to grapple with the effects of the housing crisis, housing counselors stand at the front lines of the recovery effort, both educating consumers and assisting current homeowners in distress. Their work is critical.

A recent foreclosure-prevention study found that counseling not only helps homeowners avoid foreclosure, it’s a key factor in avoiding lapsing back into default. Nearly 70% of the study participants obtained mortgage remedies; 56% were able to become current on their mortgages.

Counseling also helps first-time homebuyers to avoid serious delinquencies. According to the study, counseled homebuyers were more than 30% less likely to be faced with serious delinquencies than those with similar credit profiles did not receive counseling before their home purchase.

Our Approach

The National Urban League’s Comprehensive Housing Counseling provides a range of services that make housing options more accessible and sustainable for African American and other minority communities.


2025 Empowerment Goal:

Every American lives in safe, decent, affordable and energy efficient housing on fair terms

Our Impact

Since 2008, the National Urban League has served 259,400 individuals and families through this signature program, of which:

68,411 Received Rental Counseling and Assistance

57,826 Received Pre-Purchase Homeownership Education and Counseling

28,640 Received Financial Management Education

4,332 Purchased a New Home

3,606 Received Assistance for Shelter and Homelessness


of participants had incomes less than half the median income


participants have been helped since 2008


participants received education and/or counseling on homeownership

Counseling services are tailored to meet the needs of each individual, or family, and can address these types of issues:

  • Preparation for buying a home
  • Default and foreclosure prevention counseling
  • Budget and credit counseling
  • Home maintenance
  • Tenant and landlord rights
  • Homelessness
  • Reverse mortgage counseling
  • Fair housing