There are several resources available to help homeowners facing foreclosure. These include housing counselors approved by HUD who provide free counseling, organizations like HOPE NOW and NeighborWorks America that connect homeowners to counselors, and programs from the government like Making Home Affordable that offer loan modifications and refinancing. Additional resources are workshops on foreclosure prevention and websites from agencies like HUD, Fannie Mae, and the IRS that provide information. Speaking to a counselor can help homeowners understand their options and what steps to take if unable to make mortgage payments.