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Lutheran Social Service - LSS Financial Counseling Service

Foreclosure Avoidance Counseling

LSS Financial Counseling Service - Lifetrack

709 University Ave W, St. Paul, MN, 55104

(888) 577-2227

Website

https://www.lssmn.org/financialcounseling/financial-wellness-services/foreclosure-prevention-counseling

Service Details

Description

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge.


The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer.


Additional Information

HUD-certified housing counselors are experts in foreclosure prevention and will set up a plan of action designed just for you and your situation.


Housing counselors will:
* Provide free, confidential and nonjudgmental assistance
* Review your current finances and give you a clear idea of your options and eligibility for a mortgage modification
* Work with you to submit paperwork to your mortgage company to apply for a mortgage modification
* Be sure you are taking advantage of available government programs to save your home
* Help you postpone your sheriff's sale so you have more time to work out a solution with your lender


Services are available for Minnesota residents by phone or virtually. They also offer in-person appointments across Minnesota.


Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.


Features

  • Area Served by County
    • Aitkin County 
    • Anoka County 
    • Becker County 
    • Beltrami County 
    • Benton County 
    • Big Stone County 
    • Blue Earth County 
    • Brown County 
    • Carlton County 
    • Carver County 
    • Cass County 
    • Chippewa County 
    • Chisago County 
    • Clay County 
    • Clearwater County 
    • Cook County 
    • Cottonwood County 
    • Crow Wing County 
    • Dakota County 
    • Dodge County 
    • Douglas County 
    • Faribault County 
    • Fillmore County 
    • Freeborn County 
    • Goodhue County 
    • Grant County 
    • Hennepin County 
    • Houston County 
    • Hubbard County 
    • Isanti County 
    • Itasca County 
    • Jackson County 
    • Kanabec County 
    • Kandiyohi County 
    • Kittson County 
    • Koochiching County 
    • Lac qui Parle County 
    • Lake County 
    • Lake of the Woods County 
    • Le Sueur County 
    • Lincoln County 
    • Lyon County 
    • Mahnomen County 
    • Marshall County 
    • Martin County 
    • McLeod County 
    • Meeker County 
    • Mille Lacs County 
    • Morrison County 
    • Mower County 
    • Murray County 
    • Nicollet County 
    • Nobles County 
    • Norman County 
    • Olmsted County 
    • Otter Tail County 
    • Pennington County 
    • Pine County 
    • Pipestone County 
    • Polk County 
    • Pope County 
    • Ramsey County 
    • Red Lake County 
    • Redwood County 
    • Renville County 
    • Rice County 
    • Rock County 
    • Roseau County 
    • Scott County 
    • Sherburne County 
    • Sibley County 
    • St. Louis County 
    • Statewide 
    • Stearns County 
    • Steele County 
    • Stevens County 
    • Swift County 
    • Todd County 
    • Traverse County 
    • Wabasha County 
    • Wadena County 
    • Waseca County 
    • Washington County 
    • Watonwan County 
    • Wilkin County 
    • Winona County 
    • Wright County 
    • Yellow Medicine County 
  • Payment
    • Free / no cost to everyone 
  • Specialization
    • People with low income 

Eligibility

Anyone in Minnesota or Northern Wisconsin facing or at risk of foreclosure


This organization provides housing referrals/resources to ex-offenders reentering the general population from a correctional facility.


Fees

Free


Area Served

Statewide


Websites

Phone Numbers

Type Number Hours
Toll Free (888) 577-2227

Last Update

8/24/2024

Other Locations

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