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HUD Office of Housing Counseling
HUD Emergency Homeowners' Loan Program (EHLP)

The application deadline for the Emergency Homeowners’ Loan Program (EHLP) has expired. While it is no longer possible to apply for foreclosure prevention assistance through EHLP, other programs are available that may be of assistance to you. Additional information about other foreclosure and loss mitigation programs is available below.

Contact Information and Other Borrower Resources

Distressed borrowers who are in immediate need of mortgage assistance are encouraged to contact their local HUD-approved housing counseling agency for information about other forms of available assistance, including foreclosure prevention and loss mitigation programs. You may also look up local foreclosure prevention counseling agency contact information that is available through the NeighborWorks America National Foreclosure Mitigation Counseling Program (NFMC) network. For more information about the National Foreclosure Mitigation Counseling Program, log onto the program web site. Homeowners can also call (202) 683-6664 or email for more information.

The Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD), is working aggressively to halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA offers a number of various loss mitigation programs and informational resources to assist FHA-insured homeowners facing financial hardship, and whose mortgage is either in default or at risk of default.

FHA staff are available to help answer your questions and assist you to better understand your options as an FHA borrower under these loss mitigation programs. There are several ways you can contact FHA for more information, including:


The Online FHA Resource Center

 -   Call the FHA Outreach Center at 1-800-CALL FHA (800-225-5342)
 -   Persons with hearing or speech impairments may access this number via TTY by calling the Federal Information Relay Service at (800) 877-8339

Email the FHA Resource Center