Foreclosure Counseling

Q: More questions?

Check out our complete list of foreclosure counseling FAQs .

As scary as it may feel to fall behind on your mortgage, there are steps you can take and programs you can use to rehabilitate your loan and keep you in your home. Foreclosure counseling is offered free to any homeowner concerned about their ability to manage their mortgage and is a great first step on the road to rehabilitation.

How it Works

Foreclosure counseling includes a one-on-one conversation with a trained specialist. You’ll work together, discussing the cause of your mortgage issues, reviewing your finances, and deciding on an action plan to help you meet your goals. If needed, your counselor will also help connect you with your servicer to begin the rehabilitation process.

It’s important to note, however, that the sooner you act, the more options you have. So don’t wait until you feel absolutely desperate - take action as soon as you realize you need help.

Who Can Benefit?

Those worried about making next month's mortgage payment
Those who are already behind on their mortgage payments
Those worried they may lose their home

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?

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?

Your counseling session is completely confidential. We won't speak to your lender unless you ask us to.

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.

Is there any cost for counseling?

Foreclosure counseling is provided for free. There is no cost and no risk to use this service.

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.

More questions?

Check out our complete list of foreclosure counseling FAQs.

"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.

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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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

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

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.