In a housing emergency, free local help is available 24/7 — dial 211.
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Family Foreclosure FoundationResource Hub for Families
National Resources · 8 Categories

Free help beyond what FFF offers directly

If a need falls outside our seven core programs, we connect you to the federal, state, and community programs that exist for it. Phone numbers, official URLs, who qualifies. Print this page or share with anyone who needs it.

How to use this page: Each card has the official phone number and URL. Call directly — these are real federal, state, and community programs. Most are free. Most are 24/7. If you don't qualify for one, call 211 for routing to whatever your local community offers. FFF doesn't manage these programs · we connect you to them. We are the door · they are the room behind the door.
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Food Security

If your family is food-insecure today, these programs put food on the table within hours, not weeks.

SNAP (Food Stamps)

Households at/below 130% federal poverty line

USDA federal nutrition assistance. Apply online by state · benefits typically issued in 7–30 days · emergency expedite available within 7 days.

WIC

Pregnant + postpartum women · kids under 5 · ≤185% FPL

Free food, formula, and nutrition counseling for women, infants, and children.

Feeding America

Anyone food-insecure · no income test

200+ food banks nationwide. Bilingual hotline. Often same-day groceries available.

Meals on Wheels

Homebound seniors 60+

Hot meals delivered to seniors who can't shop or cook for themselves.

211 Food Routing

Anyone · 24/7 · 99% US coverage

Dial 211 from any phone. Free. Live operator routes to the closest food pantry that's open today.

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Emergency Housing + Rental Assistance

Rent due tomorrow · eviction notice · no place to sleep tonight. Start here.

HUD Emergency Housing Vouchers

DV survivors · homeless · at-risk via Continuum of Care referral

Federal vouchers covering rent for the most-at-risk families. Local Public Housing Authority routes.

HUD-Approved Counselor Locator

Anyone facing foreclosure / rental crisis

Free certified housing counseling by phone or in-person. The single best first call.

Salvation Army Pathway of Hope

Families with at least 1 child under 18 · no income test

Stable housing + intensive case management. Religious affiliation not required.

Catholic Charities Housing

Varies by region · faith not required

Rapid rehousing + emergency rental assistance + transitional housing.

211 Housing Routing

Anyone · top-1 service routed

Housing assistance is the #1 service 211 routes. Call 211 from any phone in any state.

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Lost Retirement · 401(k) · Pension Recovery

Worked somewhere 10+ years ago? You may have a 401(k) or pension still in your name. Most go unclaimed.

DOL Retirement Lost & Found

Any private-sector worker · Login.gov + SSN required

U.S. Department of Labor's official lookup for orphaned 401(k)s from past employers.

PBGC Missing Participants

Defined-benefit plan participants · last name + last-4 SSN

Pension Benefit Guaranty Corp holds money for 100,000+ workers from terminated pensions.

DOL Abandoned Plan Search

Search by employer · open public

Look up plans abandoned by your former employer. No SSN required.

National Registry (NRURB)

Anyone · SSN required · free

Free public registry of unclaimed retirement benefits across multiple plan types.

Social Security Earnings Statement

Anyone with a Social Security number

Reveals every employer you've worked for. Critical for tracing old 401(k)s.

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Unclaimed Money (Non-Retirement)

Old security deposits · uncashed paychecks · forgotten bank accounts · refunds you never got. Often thousands of dollars per family.

MissingMoney.com (NAUPA)

Anyone · free · no SSN required for search

Official multi-state unclaimed property search. Search every state you've ever lived in.

HUD-FHA Refund Database

Anyone with a prior FHA-insured mortgage

HUD holds refunds for former FHA mortgage holders. Open-search by last name.

FDIC Closed Bank Funds

Depositors of failed banks (mostly pre-2002)

Money still owed to depositors of banks that the FDIC closed.

IRS Lost Refund

Anyone with a prior undeliverable tax refund

If you moved and the IRS couldn't deliver your refund, it's still yours. File Form 3911 or check Where's My Refund.

Court-Held Unclaimed Funds

Any prior litigant or beneficiary

Probate, sheriff sales, foreclosure surplus, and judgment overages can sit in court clerk registries for years. Especially relevant if a family member passed away with unsettled cases.

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Credit + Financial Recovery

Rebuild credit · settle debts · understand your score · plan a comeback.

NFCC

Anyone · free or low-cost

National Foundation for Credit Counseling — 1,600 certified counselors nationwide.

HUD-Approved Credit Counselors

Anyone

HUD-certified housing AND credit counseling — free or sliding-scale.

AnnualCreditReport.com

All US adults · free · all 3 bureaus

Official site for free credit reports. Now weekly. Always start here before paying anyone.

Operation HOPE

Anyone in 17+ HOPE-Inside markets

Free financial coaching · credit · entrepreneurship · disaster recovery.

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Jobs + Reskilling

Career restart · workforce training · new skills for the next decade.

CareerOneStop (DOL)

Anyone

2,300+ American Job Centers nationwide. Free career counseling, training programs, job search.

AmeriCorps

17+ · stipend + education award

National service positions with stipend + post-service education award · health benefits.

Goodwill Career Centers

Anyone · free

Free job training · resume help · interview prep · digital skills classes.

Free Online Learning

Anyone · build skills for today's job market

New digital skills are a core part of any career restart. Start free with widely available online learning tools.

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Mental Health · Family Support

Foreclosure leaves invisible wounds. These lines are free, 24/7, judgment-free.

211 (United Way)

Anyone · 24/7 · 99% US coverage

The single best universal-access line for any social-service need. Free. Confidential.

988 Suicide & Crisis Lifeline

Anyone in crisis · 24/7 · call/text/chat

The federal mental-health crisis line. Free. Confidential. Do not hesitate.

NAMI HelpLine

Family caregivers + individuals

National Alliance on Mental Illness · peer support · resource navigation · free.

SAMHSA Treatment Locator

Anyone · substance use + mental health

Find local mental-health and substance-use treatment. Federal database.

Eldercare Locator

Anyone caring for someone 60+

Federal Administration on Aging routing for any senior service nationwide.

Are you a 211 operator · social worker · clergy · attorney?

If you're routing a family to FFF, our referral page has the exact service-area, response time, and intake details your team needs.

Referrer Quick-Reference →