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HUD-Approved Housing Counselors

These agencies appear in HUD's own directory of approved housing counseling agencies — the federal listing used for foreclosure prevention, mortgage counseling, and homebuyer education. Some entries rely on a HUD directory snapshot from December 2022, which we flag explicitly rather than presenting as a live, present-day confirmation.

5 verified organizations in this category.

Cuban American National Council

305-642-3484Miami-Dade County
Languages
English, Spanish
Cost
Not independently confirmed
Format
Not independently confirmed
Verification details · last checked August 19, 2026

Confirmed independently

  • Address and phone number match the HUD counseling-agency directory listing
  • Listed in HUD's directory of approved housing counseling agencies

Not independently verified

  • Current HUD-approval status — the directory entry is dated 2022-12-14 and needs reconfirmation directly
  • Service delivery format
  • Costs and income eligibility criteria
  • No BBB profile was located in this review
  • No exact-name CFPB complaint record found in the 24-month published dataset

Sources checked: HUD-approved housing counseling agency directory · Florida Office of Financial Regulation public license files (CCA/BFNO) · CFPB Consumer Complaint Database — 24-month exact-name count · CFPB Enforcement Actions index · Better Business Bureau (searched, no profile located)

Next review: February 19, 2027

Housing Foundation of America

Miami-Dade County (virtual/phone-based; no published Miami-Dade street address)
Languages
Not independently confirmed
Cost
Not independently confirmed
Format
Virtual/online, including scheduled sessions; other formats not confirmed
Verification details · last checked August 19, 2026

Confirmed independently

  • HUD-approved counseling status, stated directly on the organization's own site

Not independently verified

  • Whether a physical Miami-Dade office exists
  • Phone number
  • Languages supported
  • Costs and income eligibility criteria
  • No BBB profile was located in this review — this is not a Not Rated finding, just the absence of a located profile
  • No exact-name CFPB complaint record found in the 24-month published dataset

Sources checked: Housing Foundation of America's official website · Florida Office of Financial Regulation public license files (CCA/BFNO) · CFPB Consumer Complaint Database — 24-month exact-name count · CFPB Enforcement Actions index · Better Business Bureau (searched, no profile located)

Next review: February 19, 2027

Neighborhood Assistance Corporation of America (NACA)

305-341-0791Miami-Dade County (North Miami office)
Languages
English, Spanish
Cost
Not independently confirmed
Format
Not independently confirmed
Verification details · last checked August 19, 2026

Confirmed independently

  • Address and phone number match the HUD counseling-agency directory listing
  • Listed in HUD's directory of approved housing counseling agencies

Not independently verified

  • Current HUD-approval status — the directory entry is dated 2022-12-14 and needs reconfirmation directly
  • Service delivery format
  • Costs and income eligibility criteria
  • BBB lists NACA as Not Rated — BBB notes it is a 501(c)(4) and that its file is under review, rather than assigning a letter grade
  • CFPB shows 21 complaints in the last 24 months, mostly in the mortgage category (17) — recorded as what that index shows, not a verdict on any specific program

Sources checked: HUD-approved housing counseling agency directory · Florida Office of Financial Regulation public license files (CCA/BFNO) · CFPB Consumer Complaint Database — 24-month exact-name count · CFPB Enforcement Actions index · Better Business Bureau profile

Next review: February 19, 2027

Languages
Haitian Creole, English, French, Spanish
Cost
Not independently confirmed
Format
Not independently confirmed
Verification details · last checked August 19, 2026

Confirmed independently

  • Address and phone number match the HUD counseling-agency directory listing
  • Listed in HUD's directory of approved housing counseling agencies

Not independently verified

  • Current HUD-approval status — the directory entry is dated 2022-12-14 and needs reconfirmation directly
  • Service delivery format
  • Costs and income eligibility criteria
  • BBB shows a B- rating, not accredited; BBB cites failure to respond to one complaint as a rating factor — recorded as what BBB shows, not independently investigated further
  • 12-month and 36-month BBB complaint counts could not be retrieved in this review

Sources checked: HUD-approved housing counseling agency directory · Florida Office of Financial Regulation public license files (CCA/BFNO) · CFPB Consumer Complaint Database — 24-month exact-name count · CFPB Enforcement Actions index · Better Business Bureau profile

Next review: February 19, 2027

Trinity Empowerment Consortium

305-248-4553Miami-Dade County
Languages
English, Spanish
Cost
Not independently confirmed
Format
Not independently confirmed
Verification details · last checked August 19, 2026

Confirmed independently

  • Address and phone number match the HUD counseling-agency directory listing
  • Listed in HUD's directory of approved housing counseling agencies

Not independently verified

  • Current HUD-approval status — the directory entry is dated 2022-12-14 and needs reconfirmation directly
  • Service delivery format
  • Costs and income eligibility criteria
  • No BBB profile was located in this review
  • No exact-name CFPB complaint record found in the 24-month published dataset

Sources checked: HUD-approved housing counseling agency directory · Florida Office of Financial Regulation public license files (CCA/BFNO) · CFPB Consumer Complaint Database — 24-month exact-name count · CFPB Enforcement Actions index · Better Business Bureau (searched, no profile located)

Next review: February 19, 2027

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