We are so glad that you have taken that tough first step and contacted us about your mortgage and our FREE Mortgage Counseling. D&E, A Financial Education & Training Institute, Inc. is a HUD Approved Counseling Agency, and we understand how hard it was for you to contact us; therefore we promise to work with you to find a resolution to your situation. Please choose a mortgage assistance option below for more information.

A course that educates consumers on the steps in financial planning, saving and credit to develop knowledgeable consumers who can make wise financial decisions based on their income, expenses, credit and savings.

We have teamed up with Freddie Mac to open the D&E Freddie Mac Borrower Help Center Network.  We provide assistance to struggling homeowners with Freddie Mac-owned mortgages to help keep them in their homes, whenever possible.

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If you are behind on your monthly bills, including your mortgage, our Freddie Mac Borrower Help Center Network offers free, confidential financial counseling assistance through HUD-approved counselors, either in person or on the telephone.

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**Does Freddie Mac own your mortgage? Click the image to find out.

Being prepared will help your counselor better understand your financial position so he or she can assess possible options for you.  When you meet with your counselor, please bring the following documents with you:

• Most recent pay stubs and most recent tax return

• Most recent bank statements

• Credit card bills

• Your monthly mortgage statement

• Any utility bills and car payments

• You should also fill out a Uniform Borrower Assistance Form, available in English or Spanish.  This form will help you organize your financial information.  Your counselor can also help you fill out this form.