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Get help with mortgage and foreclosure assistance in Mississippi.

Homeowners in the state of Mississippi have two main options to turn to if they are struggling with paying their mortgage or if they are facing a foreclosure. Both programs are the result of either federal government or state of Mississippi funding. Together thousands of homeowners are receiving some form of assistance from these programs. If these options do not work, an individual can always contact a non-profit counseling agency, and you will find more information on that resource below.

Mississippi Foreclosure Mitigation Counseling program

This program is run at the local level by various non-profit housing counseling agencies throughout the state, and the Mississippi Home Corporation administers it. The resources of these two organizations combine together and staff work with the mortgage counseling agencies that participate.

Thousands of homeowners turn to these HUD approved counselors for support. Many people receive one on one attention from specialists on dealing with the mortgage hardship they are facing. All services and advice provided is certified by the federal government and the counselors are highly trained. Read more.

Help for the under and unemployed

If you have lost your job or otherwise had a reduction in income, maybe from a cut back in work hours or a medical condition, the state has a new program that can provide you with a zero percent loan to pay your mortgage. Click here to learn more on the hardest hit fund. It is targeted at residents that are facing an employment challenge. Find how it help it can help you pay your mortgage while you look for a new job.

Non-profit counseling agencies

The federal government has certified dozens of non-profit agencies across Mississippi as HUD approved. A homeowner can call or stop by one of these locations for help. Many of the agencies can provide struggling borrowers or low income families with free advice and foreclosure counseling services. They will also work with borrowers to address the root cause of the crisis. Learn more on Mississippi HUD housing agencies.





Mississippi Development Authority's and Community Action Agencies

While this statewide agency is not strictly focused on housing issues, they do work with businesses, developers, and the government. Some of the programs they administer include services such as the Home Investment Partnership Grant. This program can help low-income to more moderate income families buy a home, pay the down payment for the residence, or refinance their current mortgage.

Buying down a mortgage will in effect reduce a homeowner’s go forward monthly payments and should make their home more affordable over the long term. The organization can be reached at (601) 359-3449. Another option for residents is to call their local community action agency for information on statewide initiatives as there are a number of assistance programs focused on helping borrowers catch up with their mortgage payments.





By Jon McNamara

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