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The Mortgage Education Foundation is a. HUD Approved Counseling Agency. Our goal is simple: To create success stories. One person at a time. Since we opened our doors in 1994, the Mortgage Education Foundation has been helping people create stable neighborhoods that allow their families to fulfill their American Dream. We do this through personalized instruction, working hand-in-hand with people throughout the entire process, and we remain at your side in the future so you'll never feel alone.