Free help in Vermont
Data from November 2026
HUD-approved housing counselors in Vermont
7 HUD-approved counseling agencies serve Vermont; 1 says it serves in Spanish. They help you prepare to buy, with your credit, with renting, or if you fell behind on payments.
Key numbers in Vermont
- Agencies
- 7
- HUD-approved, with an office here
- Serve in Spanish
- 1
- 14% of the agencies, per HUD
- Counties with an office
- 6
- out of 14 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 Vermont
The ones that say they serve in Spanish come first. Search by city, county or name.
1
of the 7 agencies in Vermont say they serve in Spanish.
-
Windham and Windsor Housing Trust
68 Birge St, Brattleboro · Windham County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
-
Bennington-Rutland Opportunity Council, Inc. (BROC)
45 Union St, Rutland · Rutland County
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 more
-
Bennington-Rutland Opportunity Council, Inc.- Vermont
332 Orchard Rd, Bennington · Bennington County
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 more
-
Champlain Housing Trust
88 King St, Burlington · Chittenden County
- Mortgage delinquency and default
- Budget and financial counseling
- and 7 more
-
Downstreet Housing and Community Development, Inc.
22 Keith Ave, Barre · Washington County
- Pre-purchase counseling
- Homebuyer education workshops
-
Gilman Housing Trust, Inc. DBA Ruraledge
1222 Main St, St Johnsbury · Caledonia County
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
-
Neighborworks of Western Vermont
27 Wales St, Rutland · Rutland County
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 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 Vermont?
1 of the 7 HUD-approved agencies in Vermont say they serve in Spanish, according to HUD’s list. When you call, ask for service in Spanish or an interpreter.
What if my county has no agency?
Many agencies serve by phone, video or online, not only in person. Your county’s page lists the nearest ones with their distance and phone number.