Key Partner Free foreclosure help for Tennessee homeowners.
If you're behind on your mortgage, you don't have to figure it out alone, and you should never have to pay to understand your options. Every resource below is free and official, from HUD-approved counselors to Tennessee's own housing agency. Use them whether or not you ever decide to sell your home.
First, see how foreclosure works in Tennessee →Free, official resources
These are the organizations we'd point our own family to. All of them are free.
Homeowner's HOPE Hotline
Free, confidential foreclosure-prevention counseling from HUD-approved counselors, 24 hours a day, 7 days a week. A good first call if you don't know where to start.
Call (888) 995-4673 →Find a HUD-approved counselor
A free housing counselor can review your finances, explain every option, and even talk to your lender with you. This is the single most useful free resource for most homeowners.
Call (800) 569-4287 or find one online →Tennessee Housing Development Agency
Our state housing agency offers foreclosure-prevention help and connects Tennessee homeowners with HUD-approved counseling close to home.
Call (855) 890-8073 or visit thda.org →Consumer Financial Protection Bureau
Clear guides on foreclosure, your rights, how servicers must treat you, and how to spot scams, plus a counselor finder.
Visit consumerfinance.gov →Legal Aid (if you can't afford a lawyer)
Free legal help for those who qualify. In Middle Tennessee, contact the Legal Aid Society of Middle Tennessee and the Cumberlands.
Visit las.org →What a HUD-approved housing counselor does
If you only use one resource on this page, make it a HUD-approved housing counselor. They are trained, government-approved, and completely free, and they work for you, not the lender. A counselor will sit down with your numbers and help you understand exactly where you stand, walk you through every option from reinstatement to a repayment plan to a modification, and in many cases get on the phone with your loan servicer alongside you so you're not negotiating alone. Because their help is free, there's no reason to wait or to pay someone else for the same thing.
How to spot a foreclosure rescue scam
When people fall behind, scammers come out of the woodwork promising to “save” the home for a fee. Real foreclosure counseling is always free, so treat anyone asking for money to help you as a warning sign. Walk away if you see any of these:
- They ask for money upfront before doing anything to help you.
- They guarantee they can stop your foreclosure or get you a loan modification.
- They tell you to stop paying your mortgage and pay them instead.
- They tell you to stop talking to your lender or your own attorney.
- They ask you to sign over the deed or transfer the title to your home.
- They rush you to sign paperwork you haven't read or don't understand.
If something feels off, stop and call a HUD-approved counselor or the Tennessee Housing Development Agency first. They'll tell you for free whether an offer is legitimate.
Want to talk it through with a real person?
We're a local Tennessee home buyer, and even if selling isn't your best move, we're glad to point you in the right direction, no cost and no obligation. If you'd rather see your choices first, we laid them all out.
This page is general information for Tennessee homeowners, not legal or financial advice. Contact details for outside organizations are provided for convenience and may change, and we are not affiliated with them. For advice about your specific situation, talk to a licensed Tennessee attorney or a free HUD-approved housing counselor.