If you are a homeowner and are having trouble communicating with your lender and are worried about falling behind on your mortgage, please contact our office to see if you qualify for an appointment.
Housing Services Mid Michigan provides HUD-approved housing counseling services to individuals facing mortgage or tax foreclosure. a MSHDA-certified housing counselor works with clients to explain the foreclosure process, communicate with mortgage companies, develop a sustainable household budget, and review options to avoid a foreclosure. A housing counselor can help clients apply for available programs such as Michigan’s Hardest Hit Fund and/or loss mitigation options offered by the mortgage company.
Now serving Eaton and Barry counties
Individuals or families who are behind on their mortgage or property taxes, or who are struggling to make monthly payments should call (517) 541-1180 to schedule an appointment with a housing counselor. Appointments are available in Eaton and Barry counties.
Information to Bring to Appointment
- Photo ID and Social Security Number
- Proof of income for the last 30 days (paystubs, award letter, etc.)
- Bank statement for the last 30 days
- Most recent mortgage statement
- Any communication from the mortgage company or attorneys for the mortgage company
- Property Tax bill (if applicable)
SCAM ALERT: Loan Modification scammers can take your money and your home if you’re not cautious and well-informed. Please visit www.LoanScamAlert.org for further information on how to spot and report loan modification scams or call 1-888-995-4673.
If you are worried about keeping your home AVOID anyone that:
- Asks for a FEE in advance
- Guarantees that they’ll stop a foreclosure or modify a loan
- Tells you to STOP PAYING your mortgage company and to pay them instead.
Helping Hardest Hit Homeowners – This is the newest resource for homeowners in Michigan who are facing hardship due to low income or unemployment. It is your responsibility to contact your servicer to see if they are participating in the program, and to see if you qualify for the assistance. This is not the only program available, so if your servicer is not participating in this program ask them what other programs you may qualify for.