Your 2026 Credit Score Playbook: What Really Moves the Needle
Learn what truly impacts your credit score in 2026 — including payment history, utilization, medical debt changes, rent reporting, and new credit trends.
Manage Your Debt - Let's Explore Your Options
GET STARTED NOWHome Buying Resources
Hud Approved Housing Counseling
HUD-Approved Housing Counseling in Washington State
American Financial Solutions is a sub-grantee of the Washington State Housing Finance Committee, a HUD-approved housing counseling agency. In this capacity, we provide both pre-purchase and foreclosure intervention counseling to residents of Washington State. Certified Housing Counselors can be contacted at (888) 864-8699 Monday through Friday 7:00 am to 3:30 pm Pacific Time or by appointment.
HUD-Approved Housing Counseling outside Washington State
Call (800) 569-4287 or TDD (800) 877-8339 for the HUD-approved housing counseling agency nearest you. These agencies are valuable resources. They frequently have information on services and programs offered by Government agencies as well as private and community organizations that could help you. The housing counseling agency may also offer credit counseling.
Foreclosure Intervention
Most homeowner loans are through either Fannie Mae or Freddie Mac. Both offer programs for people in default. Some programs include: rate reductions, term extensions or partially reduced payments for up to 18 months. We encourage homeowners to engage the assistance of a housing counselor.
Fannie Mae:
3900 Wisconsin Ave., NW
Washington, DC 20016
(800) 732-6643 or www.fanniemae.com
Freddie Mac:
(800) 373-3343 or www.freddiemac.com
