Help with a mortgage in Detroit Michigan.
Below you will find information on where to go for foreclosure prevention, housing counseling, and information on various mortgage assistance programs in the Detroit MI area.
Many of the programs have been organized by the Michigan Poverty Law Program (MPLP), United Community Housing Coalition, HUD and the city. They have taken the lead in organizing resources across the city and county. The groups work with other non-profits and charities to coordinate foreclosure prevention resources that offer a wide range of programs that will help low-income residents with a mortgage.
HUD and state of Michigan foreclosure counselors
Detroit borrowers have two types of counselors they can turn to for assistance. The first is a non-profit HUD approved counselor. They get their certifications from the federal government level, while MSHDA approval comes from the Michigan State Housing Development Authority. Regardless of where their approval comes from, these foreclosure prevention specialists can help you assess your financial situation and apply for a program that offers some form of mortgage relief.
No matter the organization, counselors will then sit down with clients for free. The professional will suggest realistic and sustainable options and choices that may be available to borrowers in order to get back on track with their mortgage payments. In addition, they offer services that can potentially help individuals increase their income and/or reduce other debts, such as credit card expenses and medical debts. Most housing counselors will often have a great deal of knowledge about local resources as well as government programs that may be available to help pay a mortgage or even help for back property taxes.
At a client’s direction, a housing counselor can work and communicate directly with a mortgage company to discuss possible solutions and options. They provide this service, which is a form of mediation or negotiation, free of charge. They offer advice, guidance, and support throughout the process. The bottom line is that these HUD certified counselors can work with homeowners and their mortgage company or servicer to find options that may be available to help someone save their home.
As indicated, the various services and foreclosure prevention programs administered are free or charge to Detroit homeowners. The services are paid through federal government funds, the state or non-profits that raise money. There are generally no income requirements in order to qualify for aid.
Legal assistance programs that help with a foreclosure
Many homeowners in Detroit may want to talk to an attorney if they are experiencing a foreclosure. There are pro-bono as well as volunteers in Wayne County that give free consultations. In general, it is recommended to get legal advice if the foreclosure proceeding has already started, if you are on the verge of bankruptcy, or if you have a subprime or predatory loan.
Many of the lawyers also parter with HUD counselors, including those listed below. This means a Detroit family can get both free legal advice as well as other support for their mortgage. The organizations below provide individuals with free or low cost legal advice and services. As noted, a leading non-profit for support that helps coordinate the mortgage assistance programs is the Michigan Poverty Law Program (MPLP), and get details on the agency here. https://mplp.org/.
Organizations in Wayne County that help people with their mortgage
The leading organizations in Wayne County and the city are below. Call for hours and to make an appointment. Both in person and online consultations can be provided. Or find additional free or low cost Michigan HUD housing and foreclosure prevention agencies.
Southwest Detroit Community Justice Center
Location is 2026 Lawndale St, Detroit, MI 48209. Call (313) 879-2155 or (313) 832-4788
JVS - Jewish Vocational Services
4250 Woodward Ave, Detroit, MI 48201. Call (313) 833-8100
Acclaim Legal Services
26200 Lahser Rd #330, Southfield, MI 48033. Dial (248) 840-3368
Michigan Legal Services
2727 2nd Ave, Detroit, MI 48201. Call (313) 964-4130
In addition to foreclosure prevention, they also offer property tax and legal assistance for qualified low-income individuals. Or look here for other free legal services in MI.
Legal Aid and Defender Association
613 Abbott St #6, Detroit, MI 48226. Phone: (313) 967-5800
Legal Hotline for Michigan Seniors (60+)
1-800-347-5297
They assist seniors and individuals over the age of 60.
Michigan State Bar Association’s Lawyer Referral Service
(800) 968-0738
Neighborhood Legal Services of Michigan
7310 Woodward Ave #27/301, Detroit, MI 48202. Call (313) 964-1975 for more information or to apply for help.
Wayne Metro CAA
Thomas J, Daly Building, 2121 Biddle Ave #102, Wyandotte, MI 48192. Phone: (734) 284-6999
Central Detroit Christian
1550 Taylor St, Detroit, MI 48206. Phone: (313) 873-0064
A faith based, housing counseling agency. They help low-income homeowners, including seniors, find and apply for mortgage payment help.
Southwest Counseling Solutions
1700 Waterman St, Detroit, MI 48209. Phone: (313) 841-8900
United Community Housing Coalition
2727 2nd Ave # 29/313, Detroit, MI 48201. dial (313) 963-3310 (Detroit only)
The services offered include landlord/tenant counseling, free legal aid to low-income residents, as well as housing placement counseling.
Abayomi CDC
Location is 24331 Eight Mile Rd, Detroit, MI 48219. Phone: (313) 541-9828
New Hope Community Development
The office is at 19487 Evergreen Rd, Detroit, MI 48219. For details, dial (313) 255-6275
U-SNAP-BAC
Main address is 14901 E Warren Ave, Detroit, MI 48224. Call (313) 640-1100
National Faith Homebuyers
The HUD agency is at 5460 W Fort St, Detroit, MI 48209. Call (313) 255-9500
Liberty Hill Housing Corp.
Location is 35425 Michigan Ave # 3649, Wayne, MI 48184. The main number is (734) 722-4980
Related Content From Needhelppayingbills.com
|
