Free help in Puerto Rico
Data from November 2026
HUD-approved housing counselors in Puerto Rico
9 HUD-approved counseling agencies serve Puerto Rico; 7 say they serve in Spanish. They help you prepare to buy, with your credit, with renting, or if you fell behind on payments.
Key numbers in Puerto Rico
- Agencies
- 9
- HUD-approved, with an office here
- Serve in Spanish
- 7
- 78% of the agencies, per HUD
- Municipios with an office
- 4
- out of 78 in all
How it works
What to expect from counseling
Housing counseling is an appointment with a counselor at a HUD-approved agency. This is how it works, according to HUD.
- Step 1
Free or low cost
HUD-approved agencies receive federal funds. Some charge a reasonable fee for certain services, such as workshops; ask about cost before you start.
- Step 2
For buying, renting or getting out of trouble
They advise on buying a home, renting, credit and budgeting, and help if you fell behind on your mortgage or face foreclosure.
- Step 3
Bring your paperwork
Your income (pay stubs or bank statements), your monthly debts and expenses, and whatever you have saved. With that, the counselor builds a plan with you.
- Step 4
Ask for service in Spanish
When you call, say “Spanish, please” or ask whether someone speaks Spanish; if not, ask whether they offer an interpreter.
According to HUD (U.S. Department of Housing and Urban Development)
HUD’s list
Every agency in Puerto Rico
The ones that say they serve in Spanish come first. Search by city, municipality or name.
7
of the 9 agencies in Puerto Rico say they serve in Spanish.
-
CCCS of Puerto Rico
1607 Avenue Ponce de Leon, Santurce · San Juan Municipio · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 5 more
-
Centro de Apoyo Familiar (CAF) PR
92 Calle La Paz, Aguada · Aguada Municipio · Spanish
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 10 more
-
Corporacion Desarrollo Economico,vivienda y Salud
68 Calle Puro Girau, Arecibo · Arecibo Municipio · Spanish
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 7 more
-
Greenpath Financial Wellness - San Juan Branch
1607 Ave Ponce De Leon, San Juan · San Juan Municipio · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 more
-
One Stop Career Center of Puerto Rico
839 Calle Anasco Ste 5, San Juan · San Juan Municipio · Spanish
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 11 more
-
Pathstone Corporation- Puerto Rico
1288 Ponce by Pass Local B-1, Ponce · Spanish
- Budget and financial counseling
- Budget and credit workshops
- and 6 more
-
Puerto Rico Neighborhood Housing Services, Corp.
274 Calle Canals St., San Juan · San Juan Municipio · Spanish
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 8 more
-
CCCS of Puerto Rico
1607 Cobians Plaza Bldg., Santurce
- Mortgage delinquency and default
- Workshops for new owners
- and 3 more
-
Ponce Neighborhood Housing Services, Inc.
57 Calle Mendez Vigo, Ponce · Ponce Municipio
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
None match your search.
HUD’s official list exactly as published, retrieved November 6, 2026. Confirm hours and costs with the agency before you go. Source: HUD-approved housing counseling agencies Retrieved November 6, 2026 HUD-approved housing counseling agencies (external site)
Frequently asked questions
How much does HUD-approved housing counseling cost?
It is free or low cost. Agencies receive HUD funds; some charge a reasonable fee for certain services, such as workshops or certificates. Ask about cost before you start.
How many agencies serve in Spanish in Puerto Rico?
7 of the 9 HUD-approved agencies in Puerto Rico say they serve in Spanish, according to HUD’s list. When you call, ask for service in Spanish or an interpreter.
What if my municipality has no agency?
Many agencies serve by phone, video or online, not only in person. Your municipality’s page lists the nearest ones with their distance and phone number.