Please know that no lender, or party associated with or acting on behalf of the lender, may contact a counseling agency on a borrower's behalf. The borrower must contact a counseling agency directly and personally to initiate the counseling process and schedule an appointment. Note: Whenever a borrower calls to schedule an appointment, the counselor must mail, fax, or email HUD's required handouts to the borrowers.
A lender may not contact a counselor or counseling agency to:
- Discuss a borrower's personal information, including the timing or scheduling of the counseling;
- Request information regarding the topics covered in a counseling session, or
- Check on the progress of the counseling session.
- Similarly, counselors and counseling agencies may not discuss any of these topics with a lender.
Find a HUD-Approved Counselor near you