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.