Finding the Right Help

You're facing enough without worrying about being taken advantage of.  But trustworthy help is available, so you can get the guidance you need—and avoid scams.

Housing and Foreclosure Prevention Counseling

Housing and foreclosure intervention counseling – To avoid fraud, find a reputable HUD-approved housing counselor near you. Click here to learn how a housing counselor can help you.

When you're looking for a housing counselor, be careful to avoid foreclosure prevention scams that charge large fees without helping, and can even cause you to lose your home.

Money Management and Credit Counseling

Credit unions – Find a credit union near you for help with financial education, credit and financial counseling, and mortgage solutions.

Credit and financial counseling – Find a reputable source of credit and financial counseling near you.

Money Management International – Visit this site for confidential budget, credit and housing counseling.

Information and Referrals

2-1-1 resources – 2-1-1 provides free and confidential information and referral. Call 2-1-1 for help with housing, food, employment, and more.

Avoid fraud and scams – Learn how to avoid scams—and what to do if you fall victim to fraud.

Credit and Loan Information – The Federal Trade Commission's site offers help for making educated spending decisions—whether you're shopping for a mortgage or auto loan, checking the accuracy of your credit report, dealing with debt collectors, or looking for ways to protect your personal financial information.

Extension – Objective, research-based information and tools that you can use to improve your everyday life brought to you by the nation's largest and oldest network of universities.

Foreclosure Resources

2-1-1 Michigan Foreclosure and Delinquency Assistance – Learn all about foreclosures or use our quick assessment tool to find out if you are at risk.

Foreclosure Resources for Consumers – Use these resources if you're having difficulty making your mortgage payment.

Guide to Avoiding Foreclosure – Visit this site for additional tips on keeping your home, refinancing, or learning what to do if you can't keep your home.

Michigan State Housing Development Authority – Visit this site for information about the financial and technical assistance that is provided through public and private partnerships to create and preserve safe and decent affordable housing.

Problem-solving guides – Follow these steps to refinance, modify or sell without foreclosure.

Information you need to gather – Learn which documents you'll need to gather before you contact your lender, servicer, or housing counselor about a loan resolution.