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!

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Get the help you need

Don't hesitate. The sooner you act, the more options you'll have.

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    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.

    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.
    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.
    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!"
      Jaime B.
    • "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!"
      Lisa T.
    • "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. 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!"
      Mercedes
    • "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."
      Rose P.
    • "Every time I communicated with MMI I was helped immediately and treated with dignity and 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. God bless you all."
      Shirley A.

    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

    One Call Can Make All the Difference

    If you're feeling anxiety about your home, the worst thing you can do is nothing. The sooner you take action, the easier things will be.

    We're available 24/7 if you need help understanding your options and deciding what to do next.

    Call MMI to start your debt management plan.
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    • Better Business Bureau A+ rating Better Business Bureau
      MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
    • Financial Counseling Association of America Financial Counseling Association of America
      MMI is a proud member of the Financial Counseling Association of America (FCAA), a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.
    • Trustpilot Trustpilot
      MMI is rated as “Excellent” (4.9/5) by reviewers on Trustpilot, a global, online consumer review platform dedicated to openness and transparency. Since 2007, Trustpilot has received over 116 million customer reviews for nearly 500,000 different websites and businesses. See what others are saying about the work we do.
    • Department of Housing and Urban Development - Equal Housing Opportunity Department of Housing and Urban Development
      MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
    • Council on Accreditation Council On Accreditation
      MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
    • National Foundation for Credit Counseling National Foundation for Credit Counseling
      MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.