Compare 14 free help companies serving Houston, Texas. Average rating: 4.2/5.
Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.
Houston-based 501(c)(3) nonprofit providing free financial education, coaching, and matched savings programs to help lower-income families achieve homeownership and build long-term financial resilience.
Best for: Lower-income Houston-area working families serious about homeownership within 1-5 years, First-time homebuyers with subprime credit who need structured credit improvement and savings matching
Non-profit credit counseling agency in Houston offering free financial and homebuyer education classes, pre-purchase counseling, and financial coaching to low and moderate-income consumers.
Best for: Low and moderate-income Houston-area residents preparing to buy a home, Consumers needing homebuyer education certificate to satisfy lender or program requirements
Unable to verify company details. Website returns 403 Forbidden error, preventing access to service information, credentials, or operational status.
Best for: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Unable to verify: MetaCredit USA's website is currently unavailable, preventing profile completion and service confirmation.
Best for: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Houston-based nonprofit providing free homebuyer education, counseling, and affordable housing development to help low-income families build wealth through homeownership.
Best for: First-time homebuyers in Houston seeking free education and counseling without product pressure, Low-to-moderate income families looking to build wealth through affordable homeownership
Houston-based nonprofit providing free homebuyer education, counseling, and affordable housing development to help low-income families achieve homeownership.
Best for: First-time homebuyers in Houston seeking free financial and homeownership education, Low-to-moderate income families interested in affordable home purchase or rental in Houston neighborhoods
Houston-based 501(c)(3) nonprofit providing free financial education, coaching, and matched savings programs to help lower-income families achieve homeownership and build long-term financial resilience.
Best for: Lower-income Houston-area working families serious about homeownership within 1-5 years, First-time homebuyers with subprime credit who need structured credit improvement and savings matching
Non-profit credit counseling agency in Houston offering free financial and homebuyer education classes, pre-purchase counseling, and financial coaching to low and moderate-income consumers.
Best for: Low and moderate-income Houston-area residents preparing to buy a home, Consumers needing homebuyer education certificate to satisfy lender or program requirements
Unable to verify company details. Website returns 403 Forbidden error, preventing access to service information, credentials, or operational status.
Best for: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Unable to verify: MetaCredit USA's website is currently unavailable, preventing profile completion and service confirmation.
Best for: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Houston-based nonprofit providing free homebuyer education, counseling, and affordable housing development to help low-income families build wealth through homeownership.
Best for: First-time homebuyers in Houston seeking free education and counseling without product pressure, Low-to-moderate income families looking to build wealth through affordable homeownership
Houston-based nonprofit providing free homebuyer education, counseling, and affordable housing development to help low-income families achieve homeownership.
Best for: First-time homebuyers in Houston seeking free financial and homeownership education, Low-to-moderate income families interested in affordable home purchase or rental in Houston neighborhoods
Houston-based nonprofit offering free financial education, homebuyer workshops, tax preparation, and benefits enrollment assistance to low-to-moderate income families across multiple languages.
Best for: First-time homebuyers in Houston with low-to-moderate income who speak Chinese, Vietnamese, or limited English, Immigrant and Asian American families seeking free tax preparation and public benefits enrollment assistance
Non-profit credit counseling agency offering free financial and homebuyer education classes, one-on-one counseling, and reverse mortgage guidance to low and moderate-income Houston-area residents.
Best for: Houston-area low and moderate-income individuals seeking free homebuyer education to qualify for down payment assistance programs, Spanish-speaking consumers in Houston who need credit counseling and financial education in their primary language
Houston-based nonprofit providing free homebuyer education, housing counseling, financial counseling, and community redevelopment services to Fifth Ward residents.
Best for: Houston Fifth Ward residents preparing to buy their first home, Homeowners facing foreclosure or mortgage default seeking preservation counseling
Harris County Housing & Community Development offers government-backed affordable housing, homeownership programs, and disaster recovery assistance for eligible residents.
Best for: Harris County residents rebuilding after disaster (particularly flood-prone areas), First-time homebuyers in low- to moderate-income households seeking down payment help
HUD-approved non-profit housing counseling agency providing free financial coaching, mortgage delinquency resolution, and rental housing counseling to Houston-area residents since 1968.
Best for: Homeowners facing mortgage delinquency, default, or foreclosure who need HUD-approved counseling and alternatives, Renters seeking budget coaching, credit report review, and debt reduction guidance in Houston area
Operation HOPE is a national non-profit providing free financial coaching, credit counseling, and financial literacy programs to underserved communities nationwide.
Best for: Individuals and families seeking free, judgment-free financial coaching and budget guidance, Small business owners needing entrepreneurship education and financial management training
HUD-approved nonprofit housing counseling agency serving Houston since 1968, offering free financial counseling, mortgage delinquency resolution, and rental housing guidance to build financial stability.
Best for: Houston-area homeowners facing mortgage delinquency, default, or foreclosure risk, Renters seeking budgeting help, credit report guidance, and debt reduction strategies
Non-profit credit counseling and homebuyer education organization in Houston providing free financial counseling, classes, and reverse mortgage guidance to low and moderate-income consumers.
Best for: Houston-area residents preparing to purchase a home for the first time, Low to moderate-income consumers rebuilding credit and financial literacy