Compare 5 free help companies serving Baltimore, Maryland. Average rating: 3.8/5.
Maryland effectively bans payday lending through strict interest rate caps that make the business model impractical. The state has strong consumer protection laws including the Maryland Consumer Protection Act. Consumers can file complaints with the Commissioner of Financial Regulation or the Attorney General.
Credit.Org is a HUD-approved nonprofit providing free credit counseling, debt relief, and housing guidance to consumers since 1974, with 5.2+ million counseling sessions completed.
Best for: Homebuyers seeking free pre-purchase education and mortgage counseling before buying, Homeowners facing foreclosure or reverse mortgage decisions requiring HUD-certified guidance
Non-profit community development corporation offering HUD-approved housing counseling, financial planning, and re-entry support services in Baltimore since 1974.
Best for: Baltimore-area residents seeking pre-purchase homebuying education and counseling, Homeowners at risk of foreclosure or default needing prevention counseling
HUD-approved nonprofit housing counselor in Baltimore offering free homebuyer education, foreclosure prevention, and personalized financial counseling for first-time buyers and homeowners.
Best for: First-time homebuyers in Baltimore City preparing to purchase their first home, Baltimore homeowners facing foreclosure or mortgage delinquency seeking prevention strategies
NACA is a nonprofit housing advocacy organization offering character-based mortgage lending and HUD-approved housing counseling to underserved communities without credit score consideration.
Best for: First-time homebuyers with low-to-moderate income and poor or nonexistent credit history, Communities of color and historically underserved populations seeking fair lending practices
Operation HOPE is a national non-profit offering free financial counseling, credit coaching, and financial literacy programs to underserved communities across multiple locations including Baltimore.
Best for: Individuals struggling with credit management and seeking free one-on-one financial coaching, Homeowners facing foreclosure or seeking guidance on homeownership pathways
Credit.Org is a HUD-approved nonprofit providing free credit counseling, debt relief, and housing guidance to consumers since 1974, with 5.2+ million counseling sessions completed.
Best for: Homebuyers seeking free pre-purchase education and mortgage counseling before buying, Homeowners facing foreclosure or reverse mortgage decisions requiring HUD-certified guidance
Non-profit community development corporation offering HUD-approved housing counseling, financial planning, and re-entry support services in Baltimore since 1974.
Best for: Baltimore-area residents seeking pre-purchase homebuying education and counseling, Homeowners at risk of foreclosure or default needing prevention counseling
HUD-approved nonprofit housing counselor in Baltimore offering free homebuyer education, foreclosure prevention, and personalized financial counseling for first-time buyers and homeowners.
Best for: First-time homebuyers in Baltimore City preparing to purchase their first home, Baltimore homeowners facing foreclosure or mortgage delinquency seeking prevention strategies
NACA is a nonprofit housing advocacy organization offering character-based mortgage lending and HUD-approved housing counseling to underserved communities without credit score consideration.
Best for: First-time homebuyers with low-to-moderate income and poor or nonexistent credit history, Communities of color and historically underserved populations seeking fair lending practices
Operation HOPE is a national non-profit offering free financial counseling, credit coaching, and financial literacy programs to underserved communities across multiple locations including Baltimore.
Best for: Individuals struggling with credit management and seeking free one-on-one financial coaching, Homeowners facing foreclosure or seeking guidance on homeownership pathways