--- title: "What housing counseling does Cambridge Credit Counseling offer?" description: "The HUD-approved Housing Counseling Division at Cambridge Credit Counseling offers foreclosure, first-time homebuyer, and reverse mortgage counseling." url: https://www.cambridge-credit.org/housing-counseling-2026-08 publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-29 --- # What housing counseling does Cambridge Credit Counseling offer? Cambridge Credit Counseling is a HUD-approved housing counseling agency that offers foreclosure intervention and default counseling, first-time homebuyer education courses, and reverse mortgage counseling. Cambridge Credit Counseling provides foreclosure intervention and default counseling to residents of Massachusetts, Connecticut, New York, Missouri and Kansas. First-time homebuyer education courses and reverse mortgage counseling are available nationwide, though reverse mortgage counseling is not offered in Minnesota. You can reach the Housing Counseling Division at (800) 757-1788. You can also [email the Housing Counseling Division](mailto:housing@cambridgecredit.org) at housing@cambridgecredit.org. **ATTENTION! Affordable, low-income housing for sale in Springfield, MA! Coming soon by lottery only.** [Get Pre-Approval & Get Into Lottery](https://geminispringfield.com/) ## What HUD Approval Means for Cambridge Credit Counseling Cambridge Credit Counseling is approved by the U.S. Department of Housing and Urban Development to provide housing counseling services throughout the country. Agencies must first get approval from HUD before they can offer these services, so Cambridge Credit Counseling's approval means it has met HUD's standards for helping consumers with housing issues. ## The Three Housing Counseling Services Cambridge Credit Counseling offers services to help with all types of housing issues. These include: - Foreclosure intervention and default counseling - First-time homebuyer education courses - Reverse mortgage counseling Cambridge Credit Counseling is also a 501(c)(3) nonprofit agency, so these services are offered as part of its broader mission to provide financial literacy education to consumers nationwide. ## Which of the Following Applies to You? - **Foreclosure intervention:** you are a homeowner who is either behind on your mortgage or concerned that you may have trouble paying your mortgage in the future. Foreclosure intervention is available to residents of Massachusetts, Connecticut, New York, Missouri and Kansas. - **Rental counseling:** you currently rent or are looking to start renting your living space, and you want to better understand your rights and responsibilities as a tenant. Cambridge Credit Counseling is not accepting new rental counseling clients at this time, so please visit [HUD.gov](https://answers.hud.gov/housingcounseling/s/?language=en_US) to find a counselor in your area. - **First-time homebuyer course:** you are looking to purchase your first home and would like to participate in a First-Time Homebuyer course, which may be required by some lenders. - **Reverse mortgage counseling:** you are a senior who is interested in taking out a reverse mortgage and you need the required Reverse Mortgage Counseling Certificate. If none of these apply to you but you still need assistance, contact one of Cambridge Credit Counseling's HUD-Approved Housing Counselors at [(800) 757-1788](tel:8007571788). ## Where Each Housing Service Is Available Cambridge Credit Counseling provides foreclosure intervention and default counseling to residents of Massachusetts, Connecticut, New York, Missouri and Kansas. If you live in another state, please visit [HUD.gov](https://answers.hud.gov/housingcounseling/s/?language=en_US) to find a housing counselor in your area. First-time homebuyer education is available across the country, and reverse mortgage counseling is available everywhere except Minnesota. Cambridge Credit Counseling is not accepting new rental counseling clients at this time. ## Counselor Certifications Counselors at Cambridge Credit Counseling hold certifications that include HUD-Certified Housing Counselor and HUD-Approved Reverse Mortgage Counselor, along with NFCC Certified Credit Counselor and PFE Certified Debt Management Professional credentials. Cambridge Credit Counseling is also approved by the U.S. Department of Housing and Urban Development and the Massachusetts Executive Office of Elder Affairs as a reverse mortgage counseling agency. ## How to Reach the Housing Counseling Division The Cambridge Credit Counseling Housing Counseling Division can be reached at (800) 757-1788. If you are calling specifically about reverse mortgage counseling, Cambridge Credit Counseling's reverse mortgage counselors can also be reached at (888) 764-7460, and appointments can be scheduled by calling (800) 757-1788. ## What to Do Next If you have questions about foreclosure, buying your first home, or reverse mortgages, you can contact the Cambridge Credit Counseling Housing Counseling Division at (800) 757-1788. A HUD-certified housing counselor can walk you through the options that apply to your situation. ## Questions and answers ### Is Cambridge Credit Counseling approved by HUD? Yes. Cambridge Credit Counseling is approved by the U.S. Department of Housing and Urban Development to provide housing counseling services throughout the country, including first-time homebuyer education courses. Cambridge Credit Counseling provides foreclosure intervention and default counseling to residents of Massachusetts, Connecticut, New York, Missouri and Kansas. ### What housing counseling services does Cambridge Credit Counseling offer? Cambridge Credit Counseling offers first-time homebuyer education courses, reverse mortgage counseling, and, for residents of Massachusetts, Connecticut, New York, Missouri and Kansas, foreclosure intervention and default counseling. It is not accepting new rental counseling clients at this time. ### Does Cambridge Credit Counseling offer housing counseling in every state? Not every service. First-time homebuyer education courses are available nationwide, and reverse mortgage counseling everywhere except Minnesota. Cambridge Credit Counseling provides foreclosure intervention and default counseling to residents of Massachusetts, Connecticut, New York, Missouri and Kansas, and is not accepting new rental counseling clients at this time. ### Who provides reverse mortgage counseling at Cambridge Credit Counseling? Cambridge Credit Counseling's reverse mortgage counselors are HUD-approved and provide unbiased education to seniors interested in a reverse mortgage. Appointments can be scheduled by calling (800) 757-1788, or you can reach reverse mortgage counselors directly at (888) 764-7460. ### How do I contact the Cambridge Credit Counseling Housing Counseling Division? You can reach the Cambridge Credit Counseling Housing Counseling Division at (800) 757-1788. ## Sources - Bankruptcy Counseling | Cambridge: https://cambridge-credit.org/bankruptcy-counseling.html (checked 2026-08-04) - Cambridge email answer (Jen) (checked 2026-08-04) - Cambridge Credit Counseling: https://cambridge-credit.org/home.html (checked 2026-08-04) - Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04) - About Cambridge Credit Counseling: https://cambridge-credit.org/about.html (checked 2026-08-04) - About Cambridge Credit Counseling: https://cambridge-credit.org/about.html (checked 2026-08-04) - About Cambridge Credit Counseling: https://cambridge-credit.org/about.html (checked 2026-08-04) - About Cambridge Credit Counseling: https://cambridge-credit.org/about.html (checked 2026-08-04) - Contact Cambridge Credit Counseling: https://cambridge-credit.org/contact.html (checked 2026-08-04) - Contact Cambridge Credit Counseling: https://cambridge-credit.org/contact.html (checked 2026-08-04) - Credit Counseling Certifications | Cambridge Credit: https://cambridge-credit.org/counselor-certifications.html (checked 2026-08-04) - Financial Literacy | Cambridge Credit: https://cambridge-credit.org/financial-education-tools.html (checked 2026-08-04) - Credit Counselors - Housing Counselors | Cambridge Credit: https://cambridge-credit.org/meet-counselors.html (checked 2026-08-04) - Cambridge Credit Counseling: https://cambridge-credit.org/home.html (checked 2026-08-04) - Housing Counseling | Cambridge: https://cambridge-credit.org/housing-counseling.html (checked 2026-08-04) - What is a Reverse Mortgage? | Cambridge Credit: https://cambridge-credit.org/how-do-reverse-mortgages-work.html (checked 2026-08-04) - Terms & Conditions| Cambridge Credit: https://cambridge-credit.org/terms-and-conditions.html (checked 2026-08-04) - Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04) - Reverse Mortgage Counseling | Cambridge Credit: https://cambridge-credit.org/reverse-mortgage-counseling.html (checked 2026-08-04) - Reverse Mortgage Counseling | Cambridge Credit: https://cambridge-credit.org/reverse-mortgage-counseling.html (checked 2026-08-04) - Disclosures, State Licenses | Cambridge Credit: https://cambridge-credit.org/disclosures.html (checked 2026-08-04) - Selecting a Consumer Credit Counseling Agency | Cambridge Credit: https://cambridge-credit.org/select-credit-counseling-agency.html (checked 2026-08-04) - Housing Counseling | Cambridge: https://cambridge-credit.org/housing-counseling.html (checked 2026-08-04) - Best Credit Counseling Service | Cambridge Credit: https://cambridge-credit.org/credit-counseling.html (checked 2026-08-04) --- Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit credit counseling agency. Credit counseling is free. Talk to a counselor: 800-857-2808 | https://www.cambridge-credit.org/get-help Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit organization. Required disclosures and state licenses, the privacy notice and the terms are linked in the footer of every page.