St. Paul mortgage assistance and foreclosure prevention.
Find information on how to get mortgage help, foreclosure prevention, and free counseling in the St. Paul Minnesota region. A number of programs as well as non-profits help struggling homeowners.
One of the local HUD certified counseling agencies is St. Paul's Mortgage Foreclosure Prevention Program. The top priority of the specialists at this agency is to assist homeowners in the St. Paul region with avoiding foreclosure, and to help them stay in their homes and remain part of their communities. A strong housing market is important to the St. Paul region.
The main resource they offer is the Mortgage Foreclosure Prevention (MFP) Program, which may be able to counsel homeowners who are in danger of losing their homes to a foreclosure filing. Services are offered at no cost. Counselors from the HUD certified agency work closely with the homeowners to review their financial situation and to assess their immediate needs and look at options to prevent foreclosure.
Just a sampling of the services from the program offers homeowners the following services: The counselor will asses homeowners overall debt and financial situation and provide assistance in evaluating possible foreclosure solutions. Meet to get a start to finish education about the foreclosure process, legal timelines that are involved in the process find how to contact and negotiate with the lender or bank who hold your mortgage. Also get referrals to community resources and government programs including financial counseling. For more information, call the City of St. Paul at 651-266-6626 or 651-228-1077.
Receive free foreclosure counseling, information on government mortgage assistance programs and other options from Community Neighborhood Housing Services (CNHS). Assistance is offered in English, Spanish and Hmong among other languages. The agency offers free Foreclosure Counseling for homeowners who are having trouble making ends meet but have not actually missed any mortgage payments yet, and free foreclosure prevention is also made available for those who are already behind on their mortgage payments. Call early, as the sooner you ask for help the more options you will have.
Highly trained housing counselors who work for CNHS can explain and answer questions about the foreclosure process to you, explain your rights and obligations in the process, refer you to local and nation assistance programs, and they can also give you personalized information based on your family's financial situation and needs.
They will take a holistic view of your financial situation, and foreclosure counseling (that is offered at no cost to you) will often involve getting into issues that go beyond mortgages and the counselor will try to deal with the heart of the problem. For example, housing counselors can also refer you to other services and resources as needed to help you get back on solid ground. This can include employment, debt, and other financial challenges.
While of course there is no guarantee that a housing counselor will be able to prevent a foreclosure, they can definitely give you information on solutions available to you and help you assess your situation to figure out the best long-term solution for you and your family to both save your home and tackle such items as excessive debts. Contact Community Neighborhood Housing Services at 651-292-8710.
Another HUD certified agency that covers the general Twin Cities region as well as St. Paul Minnesota is Neighborhood Development Appliance - NeDA's Home Ownership Counseling services. Counselors help families who are delinquent with their mortgage payments, and provide free foreclosure assistance. They can contact your lender, provide information on mortgage programs, and many other services. Dial 651-292-0131
HUD counselors in St. Paul Minnesota
The top three non-profit HUD foreclosure counseling agencies in St. Paul include Community Neighborhood Housing Services Inc. which can be reached at 651-292-8710. They are located at 35 Water Street. They offer free Predatory Lending Education Workshops and Free Foreclosure Counseling, among other services. Dayton’s Bluff Neighborhood Housing Services, Inc. (823 East 7th Street call - 651-774-9064). Hmong American Partnership is yet another HUD agency. Telephone 651-495-9160.
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