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Columbus Ohio mortgage and foreclosure assistance.

Numerous non-profits, HUD certified non-profit agencies, and assistance programs are available to individuals in the Columbus Ohio and Franklin County area. Find information on free foreclosure assistance, prevention tactics, and mortgage programs.

Mid-Ohio Regional Planning Commission - This is a HUD approved housing counseling agency. Among the services they offer include free foreclosure prevention advice and counseling for people who are facing a financial hardship. They also provide first time home buyer counseling for homebuyers, mortgage default and foreclosure counseling and financial literacy counseling. For example, get budgeting skills, debt help, and credit repair. All programs are offered for Franklin County residents, and are offered in both Spanish and English. Call the Columbus Ohio non-profit at 614.228.2663.

Homes on the Hill Community Development can be reached at 614-275-4663. They offer services to low to moderate income residents of the Columbus Ohio area. Services offered are free or at a reduced price, and everything is private and confidential. Housing counselors can explore with a homeowner all the options and solutions that are available to them. Some may be administered by the state of Ohio, some by the federal government, and others by national banks and lenders. Regardless, the center offers you the ability to meet face to face with a foreclosure prevention counselor to learn about all programs that may be available to you. Dial 614-275-4663

Columbus Urban League - This location has a housing agency on site. Meet with a HUD approved counselor for some or all the following. Rental Housing Counseling, Mortgage Delinquency Assistance, and Foreclosure Prevention. Counselors will interact, mediate and negotiate with your mortgage servicer, lenders and others (such as the assessor for property taxes) to help you avoid foreclosure. They may also be able to assist homeowners in developing an action plan to save their home. And if you are too far behind and it is too late, they will help you sell your home and find new accommodations. Call 614-372-2300

Columbus Housing Partnership - Free or low cost foreclosure prevention counseling is provided to those individuals and families in Franklin County who have fallen behind with their mortgage payments. The goal of this non-profit is to provide the information resources and tools necessary to help homeowners maintain home ownership by identifying the cause of default or delinquency, and to help them resolve it and get back on track. Counselors will discuss intervention strategies, review the clients budgeting skills, and direct them towards assistance programs. 614-221-8889




Apprisen is the local branch of Consumer Credit Counseling Service, which is a nationally based non-profit credit counseling agency. (Click here for other non-profit credit organizations.) They also offer clients a host of housing and foreclosure programs. A sampling of the programs and services offered to qualified individuals includes:

  • Foreclosure prevention - At no cost to the clients, a HUD counselor from Apprisen CCCS can help homeowners deal with a housing hardship. The mortgage counselor can assess the families financial situation, rework budgets and even contact their bank and/or lenders, if necessary, to develop a plan to address the mortgage delinquency. A counselor can mediate a solution. More on foreclosure mediation.
  • Credit, debt, budgeting and bankruptcy advice - More often then not, someone is facing a foreclosure as they have other financial difficulties in their life. The counselor can provide solutions for those issues as well. Learn about debt management plans, when to file bankruptcy, and credit repair.

They are located on 562 East Main Street in Columbus. Phone 614-552-2222

562 East Main Street
Columbus, Ohio 43215
Phone number - (614) 221-8889
Grants and mortgage assistance program - During 2011, CHP has provided almost $80,000 in mortgage assistance to almost 50 Franklin County Ohio households. In addition to the standard mortgage and housing counseling, other services include reverse mortgage counseling for seniors over 62.

IMPACT Community Action
Location is 700 Bryden Road
Columbus, OH 43215
Main number - (614) 252-2799
They run a federal government FEMA program, which is offered in partnership with Lutheran Social Services. The program will help make the mortgage payment of customers who are no more than one payment behind on their mortgage and who meet other criteria.





Consumer Credit Counseling of Columbus
4500 East Broad Street
Columbus, Ohio 43213
Telephone number - (614) 552-2222
(800) 355-2227
Offers advice on reverse mortgages and post-purchase programs which will helps new homeowners avoid foreclosure after purchase.

Equal Justice Foundation
Main office - 88 East Broad Street Suite 1590
Columbus, Ohio 43215
Phone number - (614) 221-9800
This non-profit is a private law firm. Many attorneys may volunteer their time to provide legal free representation for low-income persons in cases involving abusive, systemic and unfair lending practices and predatory loans which cause default and foreclosure.

HandsOn Central Ohio
195 North Grant Avenue
Columbus, Ohio 43215
Phone number - (614) 221-2255
This is an information referral service that connects Central Ohio residents that are facing foreclosure to local agencies and/or government programs which may help with mortgage payments or provide free foreclosure counseling services.

Homes on the Hill CDC
4318 Westland Mall
Columbus, Ohio 43228
(614) 275-4663 ext. 104 or ext. 105
Housing and credit counseling and a mortgage assistance program is offered by this HUD agency.

Franklin County Department of Job & Family Services
Primary phone number - (614) 525-4000
They run a formal Mortgage Prevention, Retention, and Contingency program. It can provide qualified borrowers with one time financial assistance and grants for emergency situations. Homeowners who qualify for assistance from PRC are eligible for up to $1,500 in financial assistance, which can be used towards a mortgage.

Legal Aid Society of Columbus
Law form address - 1108 City Park Ave.
Columbus, Ohio 43206
Call (614) 241-2001
Legal Aid offers some literature about foreclosure, and can provide housing assistance to foreclosure incidents that involve predatory lending or sub prime loans.





Veterans Service Commission
250 West Broad Street
Columbus, Ohio 43215
(614) 525-2500
Veterans can apply for mortgage assistance for an amount determined by the deciding Commission. Please note that it is most beneficial for veterans or their families to apply prior to actual foreclosure action as attorney and other legal fees are not eligible for funding or reimbursement.

Mid-Ohio Regional Planning Commission
111 Liberty Street
Columbus, Ohio 43215
Phone: (614) 233-4181
Apply for services including Loss Mitigation Counseling. Specialists will contact a lender on client's behalf to find a solution and negotiate payment plans. Pre and post purchase counseling is offered too.

By Jon McNamara

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