Man concerned about the future of his home Man concerned about the future of his home

Avoiding Home Foreclosure

Helping people in all stages of mortgage delinquency find their best solution.

one setback shouldn't cost you your home

After all the time, money, sweat, and love you've put into your home, the last thing you want is to see your home taken away from you. Unfortunately, all too often, we ignore the calls and the letters and stop trying to save our home because it doesn't feel like there's anything we can do. 

But there's a lot you can do, and you may have more options available than you may realize. 

The Path to Avoiding Foreclosure

MMI offers free foreclosure counseling to any homeowner concerned about the status of their mortgage. We'll help you understand your options and the potential outcome of those options.  

The sooner you act, the more options you have

The further you fall into delinquency, the fewer options you have. That's why it's so important to act quickly.

If you're concerned about your home - even if you haven't missed a single payment - it's your worth your time to speak with a trained, impartial counselor. And because counseling is free and confidential, there's no reason not to give us a call as soon as you start to worry. Help is available 24 hours a day, seven days a week! 


Woman facing foreclosure

Every foreclosure counseling sessions begins with an open, confidential discussion of your finances, including the factors that have caused you to become concerned about your mortgage. Once we understand your situation and your goals, we can provide you with a list of suitable solutions and next steps.

Our goal is to give you the plan, resources, and confidence you need to take those next steps and meet your goals. Whether that's rehabilitating a delinquent mortgage or finding a way to make your mortgage payments more manageable, you'll have the tools to make it happen.

Frequently Asked Questions
We're here to help! Don't hesitate to reach out with any questions you may have. If your question isn't covered below, click "CONTACT US" at the top of the page to submit your question.
Can you stop my foreclosure?
Can you stop my foreclosure?
We are not attorneys and we cannot stop a lawful foreclosure. However, you may still have the ability to save your home, which is why it's important to speak with a qualified foreclosure counseling specialist as soon as possible.
Will you talk to my lender?
Will you talk to my lender?
Your counseling session is completely confidential. We won't speak to your lender unless you ask us to.
Can you refinance my home?
Can you refinance my home?
MMI is not a lender. We do not provide consumer loans. We can, however, help you connect with your lender or mortgage servicer to begin rehabilitating your delinquent mortgage.
Will this be reported to the IRS?
Will this be reported to the IRS?
We do not report any information to the IRS. Your counseling session is confidential and your participation will not be disclosed to any third party without your permission.
Do you provide counseling in Spanish?
Do you provide counseling in Spanish?
Counseling services are available in English and Spanish. Interpreter services for many other languages are also available upon request.
Is there any cost for counseling?
Is there any cost for counseling?
Foreclosure counseling is provided for free. There is no cost and no risk to use this service.
They've been where you are today
  • I'm beyond satisfied with the service I have received from MMI. Even though I was embarrassed about my situation, your reps never made me feel badly about myself and they made me feel confident that I would reach my goal. Thank you!
  • The hardest part of using MMI was being brave enough to make the initial phone call. Thank you so much!! I have referred a family friend years ago, and she FINALLY got brave enough to make the call!
  • I had my doubts in the beginning, but as soon as I got on the phone with MMI I knew I made the right choice. During the interview they ask all your financial details, but it's to help you better understand your situation. Very easy to contact and the process is quick. Thank you so much MMI! I've already started referring friends and coworkers! They need to know there are people really trying to help!
  • THANK YOU for not looking down on me, for understanding and helping me get back on track in such a courteous and helpful way. I was scared and after working with you I feel like I can handle life again. I know it is not over, but there is light at the end of the tunnel.
  • Every time I communicated with MMI I was helped immediately and treated with dignity and respect. As anyone who has ever gone into debt they cannot get out of can attest to, one of the horrors is the feeling of hopelessness and zero self-respect. From the very first conversation, I received encouragement and admiration for making that first crucial phone call. I thank God every day for the lessons and help MMI taught me and I have told any body that shared a story that was similar to mine. I cried tears of joy this last month when my final payment was made. God bless you all.
Unbiased, nonprofit expertise you can trust

As a national nonprofit, we're motivated by the number of families and individuals we can help make positive change in their lives. Our priority is helping you stay in your home. 

  1. Unbiased
    As a 501(c)(3) nonprofit organization, we take pride in providing unbiased advice and expert instruction. We're working for you - not your lender.
  2. Certified
    Our foreclosure counselors all pass strict certification testing from the U.S. Department of Housing and Urban Development (HUD).
  3. Empowering
    Our goal is to give you the tools and education you need to overcome today's setbacks, and prevent future setbacks from ever happening.
Mark, an MMI counselor
  • The Consumer Federation of America (CFA) is an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.

  • Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.

  • The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.

  • The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.

  • The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.