Struggling To MakeYour Monthly Mortgage Payments?

Whether you’re struggling to make monthly mortgage payments or thinking about buying your first home, you probably have a lot of questions. Navicore Solutions is approved by the U.S. Department of Housing & Urban Development (HUD) to provide housing counseling services. As a national nonprofit organization, we are committed to acting in the best interest of our clients and to providing unbiased guidance to homeowners and consumers across the country. We provide compassionate advice to homeowners with a current or expected delinquent mortgage situation on a FHA, VA, or conventional mortgage. Our certified housing counseling services enable consumers to make informed and reasonable decisions to achieve their housing goals.

Navicore Solutions’ housing counseling education services include:

  • Default/Foreclosure Prevention Counseling
  • Pre-Purchase Counseling
  • Reverse Mortgage/Home Equity Conversion Mortgage (HECM) Counseling
  • Rental Counseling
  • Housing Literacy and Counseling Workshops

Call 1-866-472-4557 to speak with a certified Housing Counselor today or email us at

To learn more about the Framework home-buying guide for potential homebuyers, call us at 1-800-282-4557.

Debbie had been helping me with my loan modification...there were so many times when I was just at my wit’s end and I would call Debbie and she was always so sympathetic and understanding and always willing to listen to me and to help me in any way that she could. She is very knowledgeable about what she does and so very patient with all my questions

Isabel M.

Frequently Asked Questions

Navicore Solutions is approved by the U.S. Department of Housing and Urban Development (HUD) as a National Intermediary Housing Counseling agency providing pre-purchase, rental, default/foreclosure, and Home Equity Conversion Mortgage (Reverse Mortgage) counseling. All of our Housing Counselors are certified by the National Foundation for Credit Counseling (NFCC) the nation’s largest and longest-serving nonprofit financial counseling organization. If you are interested in speaking with a Housing Counselor, please call 1-866-472-4557.

Housing counseling services include: pre-purchase, default/foreclosure prevention, rental counseling, and Home Equity Conversion Mortgage (HECM)/Reverse Mortgage counseling. Each type of housing counseling is specific to your individual needs and is centered on providing a thorough individual analysis of your financial situation, detailed education and recommendations to make informed decisions. If you are interested in talking to a certified Housing Counselor, please call 1-866-472-4557.

Pre-purchase counseling is the link to sustainable homeownership. This type of counseling helps clients become educated on the process of planning for and buying a home. If you are interested in buying a home now or in the future, Navicore Solutions can help you through the process. The program consists of an online element called Framework, and an individual counseling session with a HUD-Certified Housing Counselor. Consumers will receive a certificate upon completion of the program. The pre-purchase curriculum covers financial management, evaluating credit information, prequalifying & loan approval, financing options, shopping for a home, finalizing the loan, the closing process, maintaining the home, avoiding foreclosure and predatory lending practices. Successful completion of the program may be used to qualify for applicable homeowners’ assistance programs. Pre-purchase counseling is ideally performed before the purchase contract is signed. If you are interested in Pre-Purchase Counseling, please call 1-800-282-4557 to speak to a pre-purchase counselor.

Default or Foreclosure Prevention counseling is provided to any homeowner with a current or expected delinquent mortgage situation on a FHA, VA, or conventional mortgage. A certified Housing Counselor will help you assess your situation to determine the root cause of the problem, and best course of action to find a solution based on your capability to handle a mortgage payment. Foreclosure prevention counseling consists of a detailed financial analysis, appropriate recommendations, any applicable education material, and assistance with contacting your mortgage lender. Our Housing Counselors work with mortgage companies and servicers on loan modifications, short sales and deed-in-lieu of foreclosure agreements, to name a few of the different available loss mitigation options. If you are interested in talking to a Housing Counselor, please call 1-866-472-4557.

Navicore Solutions’ certified Housing Counselors provide you with the information necessary to make an educated decision as to whether a Home Equity Conversion Mortgage (also known as Reverse Mortgage) is a beneficial tool to help you stay in your primary residence. Your counselor will provide basic information on reverse mortgages, key HECM program features, a review of implications of this financing tool, and any explanation or resources for remaining questions you may have. Upon completion of the HECM counseling process, clients receive the lender-required HECM Certificate. If you are interested in HECM Counseling, please call 1-866-855-7736 to speak to a Housing Counselor.

Navicore Solutions’ HUD-Certified Housing Counselors are trained professionals that will take an unbiased look at your situation, and will be able to explain in detail your available options. A Housing Counselor can help you establish the steps you need to take to achieve your goals, and can also help you reach out to your lender to discuss workout options. The objective is to find possible solutions to clients’ hardships to help save homes and avoid foreclosure. If you are interested in talking to a Housing Counselor, please call 1-866-472-4557.

Foreclosure prevention counseling is provided free of charge. Pre-purchase and Reverse Mortgage counseling have nominal fees that can be waived depending on client’s situation. If you are interested in talking to a Housing Counselor, please call 1-866-472-4557.

There are many different options available to homeowners facing a hardship. Lenders and investors have their own set of guidelines and programs in which they participate. Some of the most common options for homeowners are loan modification, forbearance, repayment plan, reinstatement, short sale, and deed-in-lieu, to name a few.

A Housing Counselor will be able to conduct a complete analysis to help you determine which alternatives are more realistic. A Housing Counselor can also assist you in communicating with your mortgage company to explore the different possibilities. If you are interested in talking to a Housing Counselor, please call 1-866-472-4557.