Housing and Urban Development (HUD)

The Housing and Urban Development (HUD), established in 1965, is a cabinet of the United States federal government responsible for a number of federal housing agencies and programs.  Two of its main functions are as a lending facilitator and to provide counseling services to potential and current homeowners.


HUD assists people of low- and mid-level incomes to acquire loans to purchase housing primarily through the Federal Housing Administration (FHA) insured mortgage programs.

The FDA, which is part of HUD, administers various single family mortgage insurance programs. These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer’s credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes.


HUD offers counseling services for potential homeowners and supports organizations that offer advice on renting, default, foreclosure avoidance, credit issues or reverse mortgage

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