If you are struggling to pay your mortgage, a HUD-certified housing counselor can review your financial situation and tell you your options. The consultation is free.

Please bring the following to the intake:

• A copy of your latest mortgage statement

• Proof of income (paystubs, Social Security award letter, profit and loss statement for self-employed)

• A copy of your most recent gas, electric, telephone, or water bill with your name and the property address on it