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HomeFree-USA advances economic opportunity and homeownership in communities nationwide

Helping individuals buy and keep their homes through fi nancial education and assistance.

Cultivating future leadership talent with the Center for Financial Advancement® at Historically Black Colleges and Universities.

Industry Partner Growth

Positioning mortgage and real estate partners to do well while doing good through collaborative programs and marketing.

Small Business Capacity Building

Developing our network of 50+ counseling affiliates to expand their impact in communities nationwide.

Affordable Housing Development

Transforming neighborhoods and making homeownership accessible through affordable properties for purchase or rent.

Community Impact

Fostering financial confidence and stability across the most vulnerable in our communities.

From expanding homeownership to strengthening communities, see how our work translates into real impact.

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Years of Client Success

Homeowners Served Nationwide

Families Prevented From Losing Their Homes

Foreclosure Rate

Affiliated Nonprofits Nationwide

Made Possible by Our Partners

Our Events Bring Leaders Together

Develop the Developer

Develop the Developer℠ Academy equips underrepresented developers in Baltimore with the know how, resources, and funding connections to revitalize single-family homes. Our next cohort is 2026 in Baltimore

Reaching Millions

With a 21-year legacy, this business development event connects counseling and faith-based leaders with business and financial partners to network, grow, and address community challenges. November 3 and 4, 2026.

Ongoing Workshops

Frequent educational events support multiple facets of our community: Teaching renters how to become homebuyers, empowering homeowners to stay in their homes, mentoriing real estate developers and elevating our counseling intermediaries.

Our Impact

We were able to build a relationship with HomeFree-USA that we feel we’ll have for the rest of our lives. HomeFree-USA helped make homeownership a reality for us and showed us that it wasn’t as far-fetched as we thought it would be.

Tamika & Drew

HomeFree-USA clients

Partnerships are critical to elevate homeownership. The gap is so big, there is not one entity that can solve that. Coming together with HomeFree-USA makes a difference.

Chuck Bishop

SVP, Head of Diversity Segments, Home Lending, Wells Fargo

I was (very) behind on my rent, and HomeFree-USA literally changed my life. AMAZING customer service and communication, great to work with, and had everything settled in just 2 weeks after my initial phone call and email.

Kevin D.

HomeFree-USA client

You can make a difference.

Our mission is to be the premier bridge to ﬁnancial strength and legacy through homeownership for communities across America. A mission this big requires a multi-faceted approach that comprises various initiatives and partnerships.

Your contribution can sponsor a homebuyer through our program, give a hand up to an HBCU student in need, or otherwise support our mission.

How We Work: Our Pillars of Change

Latest Blogs

Celebrating the 2026 Reaching Millions Awardees

November 5, 2026

Meet the 2026 Reaching Millions awardees: VantageScore, TD Bank, Inland Empire Resource Center, AHCOPA and H.E.L.P. CDC, honored by HomeFree-USA.

Your Homeownership Journey Can Start Before You Feel Ready

October 20, 2026

“I’d love to own a home. I just don’t know if I can.” For someone thinking about their future, that uncertainty can be enough to put the dream on hold.

Mortgage Bankers Association scholarship recipient

Celebrating Marcus Harris: An Emerging Leader in Real Estate Finance

October 14, 2026

For Marcus Harris, real estate is already more than a subject in the classroom. In 2026, he acquired and renovated his first fix-and-flip property in his hometown of Augusta, Georgia—putting

Frequently Asked Questions

What services does your housing counseling agency offer?

HomeFree USA provides financial education, homeownership guidance, credit improvement, and foreclosure prevention support to help you reach your housing goals.

Is HomeFree-USA certified as a housing counseling agency in Maryland?

Yes, we are HUD-approved and have years of experience helping Maryland and Virginia residents become successful homeowners.

Can your housing counseling agency help renters become homeowners?

Absolutely. We offer personalized guidance to help renters improve credit, save for a down payment, and prepare for mortgage approval.

Where does HomeFree-USA provide its services?

HomeFree-USA provides services in Maryland, Virginia, and nationwide to support individuals and families with housing, credit, and homeownership solutions.

Do you offer virtual housing counseling for residents?

Yes, we provide virtual counseling sessions to ensure convenience and accessibility for clients across the region.

Homeownership Help
Workforce & Talent Development
Small Business Capacity Building
Affordable Housing Development

We guide renters through every step of the homebuying process, from understanding mortgage approval to securing downpayment assistance. For homeowners, we offer support in exploring refinance options and preventing foreclosure.

Our team is committed to assisting our partners in finding and recruiting talented, professionally developed, and financially savvy students from Historically Black Colleges and Universities.

Through our 50+ Affiliate Network, we empower organizations to learn from industry peers, diversify services with new funding, streamline compliance, and secure more grants with support from HomeFree-USA.

Revitalizing communities is important to us, and we are committed to transforming neighborhoods by creating high-quality, affordable homes through a community-centered approach.