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In 2007, as the scale and urgency of the housing crisis became clear, Congress authorized an emergency program to help Americans in danger of losing their homes. Between 2008–18, the National Foreclosure Mitigation Counseling (NFMC) program helped homeowners in need by substantially boosting the nation’s capacity for foreclosure counseling.

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Neighborworks America
Neil Mayer and Associates, together with Experian, conducted a study on the effectiveness of NeighborWorks pre-purchase homeownership counseling and education. Using information from about 75,000 loans originated between October 2007 and September 2009, analyzed the impact of pre-purchase counseling and education, provided by NeighborWorks' network, on the performance of counseled borrowers' mortgages. Overall, the study found clients receiving pre-purchase counseling and education from NeighborWorks organizations are one-third less likely to become 90+ days delinquent over the two years after receiving their loan than are borrowers who do not receive pre-purchase counseling from NeighborWorks organizations.

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