MMI provides free expert advice and support for homeowners in all stages of mortgage delinquency. MMI provides free expert advice and support for homeowners in all stages of mortgage delinquency.

Foreclosure Prevention Counseling

We provide free expert advice and support for homeowners in all stages of mortgage delinquency.

What is foreclosure prevention counseling?

Foreclosure counseling is unbiased advice and guidance for homeowners worried about potentially losing their home to foreclosure.

As scary as it may feel to fall behind on your mortgage, there are steps you can take to rehabilitate your loan and keep you in your home.

MMI is proud to offer foreclosure prevention counseling for free to any homeowner concerned about their ability to manage their monthly mortgage payments. Whether you’re already behind or you’ve only just begun to struggle with your monthly mortgage, our experts can help you find the best solution for your unique situation.

Can foreclosure counseling help me avoid foreclosure?

Foreclosure counseling can help any homeowner who’s worried about their mortgage.

Are you:

  • Worried about making next month’s mortgage payment?
  • Already one or more months behind on your mortgage payments?
  • Scared of potentially losing your house for non-payment?

No matter how far along you are in the process, a foreclosure counselor can provide advice and help you avoid foreclosure if possible.

The sooner you act, however, the more foreclosure prevention options you’ll have. If you’re considering reaching out for help but don’t think things are bad enough yet, connect with a counselor immediately. Foreclosure counseling is free and comes with no strings attached.

You’re not alone. Let MMI's experts help you discover the best foreclosure prevention options for you and your home.
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You’re not alone. Let our experts help you discover the best foreclosure prevention options for you and your home.
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What happens during foreclosure prevention counseling?

MMI will walk you through the foreclosure prevention steps and assist you every step of the way.

Foreclosure counseling begins with an in-depth review of your finances, current challenges, and mortgage status. You can begin the process online or over the phone.

After we’ve gathered these critical pieces of information, one of our HUD-certified housing counselors will work with you to create an action plan to meet your goals. We’ll discuss all available options and help you pick the path that makes the most sense for you.

If needed, your counselor will also help connect you with your servicer to begin the rehabilitation process. We’ll also provide follow-up care to make sure your plan is a success.

Frequently asked questions

Need more information before getting started? Here are some of the top foreclosure prevention questions we get asked.

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 any third party 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 foreclosure counseling?

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

Do you provide foreclosure 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.

The sooner you start, the more options you’ll have

If you're feeling anxiety about your home, the worst thing you can do is nothing. Our foreclosure experts are available 24/7 to help you understand your options and start taking action to avoid a potential foreclosure.

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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.
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    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.