Free resources for St. Louis homeowners

You don't have to figure this out alone. These organizations provide free, confidential help.

HUD-Approved Housing Counseling

Free, 24/7 — connects you with a HUD-approved counselor in your area.

4232 Forest Park Ave., St. Louis, MO 63108

Free housing counseling and legal services for qualifying residents.

Housing counseling, financial literacy programs, and foreclosure prevention.

Foreclosure prevention programs and community resources for the St. Louis region.

Housing counseling services for St. Louis County residents.

Free civil legal services for low-income individuals in the St. Louis area. Handles housing, foreclosure defense, and tenant rights.

Free 30-minute consultation with a volunteer attorney. Available through the Bar Association of Metropolitan St. Louis.

Attorney referral service to connect you with a licensed real estate or bankruptcy attorney in the St. Louis area.

When you're facing foreclosure, scammers see an opportunity. Know the warning signs.

Legitimate foreclosure help is free through HUD-approved counselors. Anyone charging fees before doing work is a red flag.

Equity stripping

Scammers convince you to sign over your deed, then extract your equity and leave you homeless.

Foreclosure consultant scams

Companies charging large fees to “negotiate” with your lender — something HUD-approved counselors do for free.

Fake loan modifications

Scammers claiming they can guarantee a loan modification for a fee. Only your lender can approve modifications.

Rent-to-own cons

Schemes that promise you can “buy back” your home after signing it over. You almost never get it back.