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To Give Help or Get Help in Central Michigan, Dial 2-1-1

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 Mortgage Foreclosure Resources


By dialing 2-1-1 on your phone, you have instant access to a representative who will be your advocate. Listed below are just some of the resources available to you. Call Central Michigan 2-1-1 for more comprehensive assistance and referral. (If you are looking for mortgage delinquency and foreclosure assistance in southeastern Michigan, please click here).

    Legal Help
    Debt Counseling
    Mortgage Payment Assistance
    HUD Approved Counseling Agencies
    MSHDA Housing Counselor
    Important Information on Foreclosure Prevention Scams


The Foreclosure Process

What is foreclosure?
Foreclosure is a legal process by which a bank, mortgage company or other creditor takes a homeowner's property in order to satisfy a debt. The foreclosure is the result of non-payment of the mortgage (including second mortgages and home equity loans); however, people also lose their homes due to unpaid property taxes. As a result of foreclosure (at the end of the redemption period), the homeowner loses the rights he or she had to the property.
© 2006 Michigan State Housing Development Authority

Are you at risk?
Many times homeowners do not know they are at risk for going into delinquency and/or foreclosure. Take this brief questionnaire to assess your risk.

If you answer yes to any of the following situations, you might be at risk for mortgage foreclosure/delinquency. Please contact 2-1-1 or a HUD approved counseling agency for assistance.

YesNo
 Are you currently looking to refinance your mortgage and are interested in learning more about loan products that are available?
  (For those with conventional mortgages) Do you pay your property taxes separately from your mortgage payment?
  (For those with conventional mortgages) Does your mortgage have a prepayment penalty?
  Do you have an adjustable rate mortgage (ARM)?
  Has there been a change in household income?
  Has there been a recent increase in the amount of debt you have?

Learn More
   The stages of foreclosure
   What happens during the foreclosure process?
   Tips to keep your home
   Frequently asked questions about foreclosures

      

 A program of United Way of Jackson County in partnership with Capital Area United Way, Eaton County United Way, Hillsdale County United Way, Lenawee  United Way, LifeWays & Livingston County United Way
 

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