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

Keeping You in Your Home

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

one setback shouldn't cost you your home

Your home is almost certainly your most valuable asset - but is it also your biggest source of anxiety?

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

Whether you're just worried about making next month's mortgage payment or you're already months behind and worried you may lose your home, you have options available. We can show you those options and get you started on the process of preserving your home.

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. We can even reach out to your mortgage servicer to help get the process started. 

At the conclusion of your counseling session, you should have the information and resources you need to follow through on the plan you've chosen with confidence. 

The sooner you act, the more options you have

While we'd like to say that any mortgage can be rehabilitated, the truth is that 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! 

GET STARTED 

FORECLOSURE COUNSELING
HOW WE CAN HELP YOU
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.

And should you need a little extra help getting started, we're happy to help start the conversation with your lender or servicer, putting you on the path that keeps you in your home.

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.
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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.
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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.
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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.
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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.
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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.
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They've been where you are today
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.
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