Twin Cities Habitat for Humanity
Foreclosure Avoidance Counseling
1954 University Ave W, St. Paul, MN, 55104
Distance: 1037 Miles
Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge.
The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer.
Participants will work directly with a Mortgage Foreclosure Prevention Counselor:
* To determine if staying in your home is possible
* Understand your options
* To create a household budget
* To learn about your rights, the foreclosure process, and how to communicate with your lender
* To create an Action Plan for regaining housing stability by actively working with your lender and helping you save money for mortgage payments
- Free / no cost to everyone
- People with low income
Application is downloadable
8:30am - 5:00pm, Monday - Friday
Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, and Washington Counties
This provider does not offer this service at other locations.
Other Services or resources
Taxonomy Terms Used: Clicking a taxonomy term from the list below launches a new search.
BH-3700.3200HUD Approved Counseling Agencies Definition
Agencies funded by the federal Office of Housing and Urban Development to provide prepurchase and mortgage default counseling, home equity conversion (reverse mortgage) counseling and information about the HUD rent assistance program for current and prospective purchasers and tenants.
DM-1800.5000Mortgage Delinquency and Default Counseling Definition
Programs that provide assistance for people who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Services may include information about the foreclosure process, legal timelines and how to contact and negotiate with a lender; assessment of the homeowner's financial situation and development of a plan to address homeownership and financial issues; in-depth financial counseling regarding foreclosure avoidance options and/or options that involve leaving the home; advocacy with lenders, when necessary; and referrals to foreclosure prevention resources. Also included are programs that provide mediation services to negotiate a compromise between the individual and the financial institution that holds their mortgage in order to avoid foreclosure.
YM-6200People At Risk of Foreclosure Definition
Individuals and families who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Also included are people who are unable to make their property tax payments and at risk of losing their homes through tax foreclosure.