HUD Foreclosure help is available to distressed homeowners. HUD foreclosure help is free to homeowners who need it. The government provides money to non-profit organizations that are certified HUD foreclosure counselors. HUD foreclosure help can be found by looking on the Internet or checking your local telephone directory. HUD foreclosure help counselors can assist distressed homeowners with negotiating a loan refinance or mortgage modification with their lender. When seeking HUD foreclosure help, homeowners should also be aware of scam artists who ask for upfront fees and do nothing. Consulting with a foreclosure defense real estate attorney for foreclosure loan help is another option. The homeowner should also contact their lender early on for foreclosure loan help.