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.

DESCRIPTION: Financial management counselors take a look at your personal finance information, help to create a plan to pay off debt or keep on top of bills and provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans 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.

DESCRIPTION: Financial management counselors take a look at your personal finance information, help to create a plan to pay off debt or keep on top of bills and provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans 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.

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.

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 Participants will work directly with a Mortgage Foreclosure Prevention Counselor: * To determine if staying in your home is possible * Understand your options * To create a household budget * To learn about your rights, the foreclosure process, and how to communicate with your lender * Form an action plan focused on housing affordability

DESCRIPTION: Financial management counselors take a look at your personal finance information, help to create a plan to pay off debt or keep on top of bills and provide retirement planning information. MORE INFORMATION Helps people to learn about finances and credit and provides counseling assistance for money management and budgeting. Financial counseling appointments are offered Monday - Friday. Financial education programs includes: * Money management * Consumer fraud protection * Budgeting * Debt management * Building good credit - Credit counseling * Financial literacy * Mortgage delinquency and foreclosure prevention

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.

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.

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.

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 Free advice program for homeowners that are having difficulties making their mortgage payment. * Provides information and options about the foreclosure process * Helps submit a mortgage modification request to the lender * Helps understand what options you many have to remain in your home

DESCRIPTION: The Foreclosure Prevention Assistance Program provides: * [Referral to an advisor and online tools](https://www.hocmn.org/for-homeowners/foreclosure-prevention) * Access to financial assistance * Debt management and repayment programs * Financial counseling * Information about the foreclosure process * Working with the mortgage company * If applicable, one-time mortgage, contract for deed, or other financial assistance All recipients are required to enter into an agreement to repay the financial assistance. The agreement will be either a secured lien against the property or a repayment plan with a schedule beginning 3-6 months after closing.

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.

DESCRIPTION: Exodus Lending can help you pay a predatory loan of up to $1500 by providing you with a no-interest no-fee loan, with 12 months to pay it back.

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 Offers free and confidential foreclosure prevention counseling * Teaches clients about their rights, options and alternatives to foreclosure * Counselors may also advocate on client's behalf with mortgage services to discuss options.

DESCRIPTION: The Foreclosure Prevention Assistance Program provides: * [Referral to an advisor and online tools](https://www.hocmn.org/for-homeowners/foreclosure-prevention) * Access to financial assistance * Debt management and repayment programs * Financial counseling * Information about the foreclosure process * Working with the mortgage company * If applicable, one-time mortgage, contract for deed, or other financial assistance All recipients are required to enter into an agreement to repay the financial assistance. The agreement will be either a secured lien against the property or a repayment plan with a schedule beginning 3-6 months after closing.

DESCRIPTION: Financial management counselors take a look at your personal finance information, help to create a plan to pay off debt or keep on top of bills and provide retirement planning information. MORE INFORMATION Offers tools and education so people can regain financial stability and reduce unmanageable debt Financial solution services in person, telephone, or online: * Budget and debt counseling * Debt management program

DESCRIPTION: Financial management counselors take a look at your personal finance information, help to create a plan to pay off debt or keep on top of bills and provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans 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.

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.

DESCRIPTION: Offers housing resources for renters or homeowners Programs include: * First time homebuyer session * Homebuyer Education * Homeowner financial management session * Mortgage foreclosure prevention * Rental housing counseling and education Online resources: * Monthly budget planner

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.

DESCRIPTION: Financial management counselors take a look at your personal finance information, help to create a plan to pay off debt or keep on top of bills and provide retirement planning information. MORE INFORMATION A national non-profit credit counseling agency They offer confidential and professional financial help over the phone. Services include: * Budget and credit counseling * Debt management * Bankruptcy counseling and education * Finance calculators and education

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.

DESCRIPTION: [Housing and Urban Development (HUD)-approved housing counseling](https://www.hudexchange.info/programs/housing-counseling) is for consumers who are seeking, financing, maintaining, renting or owning a home. The sessions help consumers make responsible housing choices in light of their needs and financial situation. Housing counselors educate first-time home buyers about financing options. Counselors also help anyone who wants to (or already does) rent or own a home, to make their rent or mortgage payments and to be a responsible tenant or owner. Counselors who provide this service are trained and approved by HUD. MORE INFORMATION Provides information including individual counseling: * Home purchase - Budgeting and saving for a home - Credit management - Deciding how to find the right home * Home Stretch Workshop classes

DESCRIPTION: Financial management counselors take a look at your personal finance information, help to create a plan to pay off debt or keep on top of bills and provide retirement planning information. MORE INFORMATION Provides free and low cost financial services to help clients take control of their financial future Services include: * Individual budget counseling * Debt management * Community education * Consumer credit counseling services * Bankruptcy counseling * Credit report consultation Services are offered in-person, by phone or through an online portal.

DESCRIPTION: Exodus Lending can help you pay a predatory loan of up to $1500 by providing you with a no-interest no-fee loan, with 12 months to pay it back.