Lutheran Social Service of Minnesota – LSS Financial Counseling - LSS Duluth
Foreclosure Avoidance Counseling
1330 E Superior St, Ste 203, Duluth, MN 55805
Eligibility
Hours
Voice
Fees
Free
Service area
Goodhue County, MN
Houston County, MN
Kanabec County, MN
Koochiching County, MN
Lincoln County, MN
Nicollet County, MN
Olmsted County, MN
Otter Tail County, MN
St. Louis County, MN
Aitkin County, MN
Cass County, MN
Jackson County, MN
Le Sueur County, MN
Morrison County, MN
Nobles County, MN
Norman County, MN
Polk County, MN
Scott County, MN
Traverse County, MN
Watonwan County, MN
Big Stone County, MN
Carver County, MN
Chippewa County, MN
Cook County, MN
Crow Wing County, MN
Mille Lacs County, MN
Pope County, MN
Renville County, MN
Rock County, MN
Roseau County, MN
Stearns County, MN
Anoka County, MN
Chisago County, MN
Clay County, MN
Grant County, MN
Kandiyohi County, MN
Marshall County, MN
Pine County, MN
Pipestone County, MN
Redwood County, MN
Steele County, MN
Wright County, MN
Becker County, MN
Fillmore County, MN
Mahnomen County, MN
Mower County, MN
Pennington County, MN
Rice County, MN
Todd County, MN
Wabasha County, MN
Washington County, MN
Dodge County, MN
Wilkin County, MN
Winona County, MN
Brown County, MN
Clearwater County, MN
Dakota County, MN
Faribault County, MN
Freeborn County, MN
Isanti County, MN
Itasca County, MN
Kittson County, MN
Lake of the Woods County, MN
Martin County, MN
Yellow Medicine County, MN
Beltrami County, MN
Blue Earth County, MN
Carlton County, MN
Cottonwood County, MN
Lac Qui Parle County, MN
McLeod County, MN
Ramsey County, MN
Sherburne County, MN
Stevens County, MN
Swift County, MN
Wadena County, MN
Benton County, MN
Douglas County, MN
Hennepin County, MN
Hubbard County, MN
Lake County, MN
Lyon County, MN
Meeker County, MN
Murray County, MN
Red Lake County, MN
Sibley County, MN
Waseca County, MN
Other Information
Payment
Specialization
Description
Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION HUD-certified housing counselors are experts in foreclosure prevention and will set up a plan of action designed just for you and your situation. Housing counselors will: * Provide free, confidential and nonjudgmental assistance * Review your current finances and give you a clear idea of your options and eligibility for a mortgage modification * Work with you to submit paperwork to your mortgage company to apply for a mortgage modification * Be sure you are taking advantage of available government programs to save your home * Help you postpone your sheriff's sale so you have more time to work out a solution with your lender Services are available for Minnesota residents by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.
Last Update
03/10/2026
Providing organization
Lutheran Social Service of Minnesota – LSS Financial Counseling