This year's theme - "Promoting and Protecting Homeownership" - is designed to promote first-time homebuying; to encourage both potential and current homebuyers to learn about the responsibilities that come with homeownership; and to help consumers both read and understand the fine print of a mortgage. There are 2,300 HUD-approved housing counseling programs around the country that help potential and current homeowners learn about safe loans products available through the FHA's mortgage insurance programs and other responsible lenders.