Foreclosure Prevention

Following is a list of HUD approved housing counseling agencies that provide assistance to homeowners in Northern Virginia: 

Asian-American Homeownership Counseling, Inc.
12320 Parklawn Dr. #239
Rockville, MD 20852
Tel: 301-760-7636
Fax: 301-761-1608

Boat People SOS, Inc.
6066 Leesburg Pike, Suite 100
Falls Church, VA  22041

Offers a free budgeting class every month in different locations around Fairfax County. Please check their web site,, for the dates and location of classes, and contact Marcelle Miles, Financial Literacy Manager, Our Daily Bread at 703-273-8829 to register.  In addition, Britepaths offers a six-month financial mentoring program for motivated clients, and a free Financial Counseling Clinic most months of the year.  

Britepaths has arranged credit education classes in partnership with Fairfax County Human Services and the Homeownership and Relocation Services Division of the Fairfax County Department of Housing and Community Development.

1086 Elden Street
Herndon, VA  20170

National Hotline

First Home Alliance
3138 Golansky Boulevard, Suite 202
Woodbridge, Virginia  22192

Hispanic Committee of Virginia
5827 Columbia Pike
Falls Church, VA  22041

2049 N. 15th Street, Suite 200
Arlington, VA 22201
Phone 703-243-3033
Fax 703-243-2297 

Homeownership Preservation Foundation

Housing Counseling Services, Inc.
2410 17th Street, NW, Suite 100
Washington, DC 20009
202-667-7006 x125

Money Management International – National Hotline

Northern Virginia Urban League
1315 Duke Street

The Northern Virginia Urban League offers the six week Credit Smart classes in Alexandria.  Classes will be held at the South County Government Center, 8350 Richmond Highway, 2nd floor conference center, Alexandria, VA 22309.  For more information and to reserve a seat, please call Geoffrey Tate at 202-320-0571 or email Geoff at   In order to get a certificate, attendees must complete the entire series.  This is a financial literacy partnership with the Fairfax County Department of Human Services and the Homeownership and Relocation Services Division of the Fairfax County Department of Housing and Community Development.

Topics include:

Your Credit and Why It Is Important; Understanding Credit Scoring
Establishing and Maintaining Good Credit; Avoiding Credit Traps
Managing Your Money; Goal Setting; Banking Services--An Important Step
Thinking Like a Lender
Becoming a Homeowner
Preserving Homeownership; Protecting Your Investment 

Springboard Non Profit Consumer Credit Management, Inc. - National Hotline


Homeowners facing foreclosure may also call the Homeownership Division of the Department of Housing and Community Development at 703-246-5087, weekdays from 8-4:30 p.m., or visit

This  information can be requested in an alternate format  by calling 703-279-7309, TTY 711.

Foreclosure Prevention-Nothing Is Worse Than Doing Nothing

Unfortunately, more than half of homeowners facing foreclosure do not call for help when they begin to fall behind in their payments. However, the early stages of delinquency are the most crucial.  Homeowners who are one or two payments behind are more likely to keep their homes than those who have fallen further behind on their payment schedule.  How to proceed:

To be effective at avoiding foreclosure, a homeowner needs to take these steps: 

1.     Assess your situation:  Can you afford to stay in the home and do you want to keep it?

    1. Fill out a monthly Spending Plan, provided by the Virginia Housing and Development Authority (VHDA). Be sure to put in all your expenses.   Is it affordable to stay in the property? 
    2. Determine what type of mortgage you have in order to know where to start.  If it is an FHA loan or VHDA loan, or a Veteran’s Administration loan, go directly to that agency:
      • Homeowners holding a VHDA mortgage may call 1-800-227-8432 or visit the VHDA's website at
      • Homeowners holding an FHA loan, can call the FHA National Servicing Center at 1-800-CALL- FHA /1-800-225-5342 or e-mail at:
      • Homeowners holding a Veterans’ Administration (VA) mortgage may call 1-877-827-3702 or contact the VA at

If your mortgage is none of the above, contact the loan servicer through their hotline.

2.     Contact a National Foreclosure Mitigation Counselor. 

Homeowners may obtain these services for free of charge.  There is no need to pay for foreclosure counseling.  For a list of local agencies, please click here.

3.     Assess where you are on the Foreclosure Timeline. 

Note, if the mortgage is more than 72 days late, a homeowner will need legal assistence. Contact Legal Services of Northern Virginia for their Foreclosure Legal Assistance Program at 703-368-5711.

4.     Foreclosure scams

Homeowners who have been or suspect they may have been a victim of a foreclosure scam should contact the Fairfax County Consumer Affairs Branch at 703-222-8435, TTY 711.Information on foreclosure scams is also available at the following web sites: 

 Federal Trade Commission 

5.     Renters in properties facing foreclosure? 

Renters have rights under the “Protecting Tenants at Foreclosure Act of 2009”.You can contact the Fairfax County Office of Consumer Affairs at 703-222-8435, TTY 711, for more information. 

Resource Links:

Are You Facing Foreclosure? (Information on Federal Programs Providing Foreclosure Assistance to Homeowners)

Fairfax County Agencies Addressing Foreclosure Issues

Foreclosure Mitigation Counseling Agencies

Free Foreclosure Clinics Scheduled

HOPE NOW (hotline: 1-888-995-HOPE/1-888-995-4673)

Lenders participating in Making Home Affordable and Hope for Homeowners, please visit or

Renters Facing Foreclosure Have Rights

The Capital Area Foreclosure Network

Foreclosure information for other local jurisdictions: 

Arlington County   

City of Alexandria

Loudoun County

Prince William County

Contact Fairfax County: Phone, Email or Twitter | Main Address: 12000 Government Center Parkway, Fairfax, VA 22035
Technical Questions: Web Administrator

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