West Central Minnesota Communities Action, Inc.

Foreclosure Avoidance Counseling

West Central Minnesota Communities Action - Elbow Lake (Industrial)

411 Industrial Park Blvd, Elbow Lake, MN, 56531

(218) 685-4486 Ext: 7063

missyb@wcmca.org

https://wcmca.org

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.

Features

Area Served by County
- Douglas County
- Grant County
- Pope County
- Stevens County
- Traverse County
Organization Type
- Community Action Partnership
Payment
- Free / no cost to everyone
Specialization
- Family
- People with low income

Eligibility

Clay, Douglas, Grant, Pope, Stevens, Traverse and Wilkin counties

Application Instructions

Contact the main office for application and program information.

Fees

Free

Area Served

Services are primarily focused on Douglas, Grant, Otter Tail, Pope, and Stevens counties.

Individual programs may serve counties outside this area.

Websites

https://wcmca.org

Phone Numbers

Type	Number	Hours
Main	(218) 685-4486
Toll Free	(800) 492-4805

Last Update

9/27/2024

Other Locations

This provider does not offer this service at other locations.

Other Services or resources

Taxonomy Terms Used. Clicking a taxonomy term from the list below launches a new search.: Clicking a taxonomy term from the list below launches a new search.

BH-3700.3200HUD Approved Counseling Agencies Definition

Agencies funded by the federal Office of Housing and Urban Development to provide prepurchase and mortgage default counseling, home equity conversion (reverse mortgage) counseling and information about the HUD rent assistance program for current and prospective purchasers and tenants.
DM-1800.5000Mortgage Delinquency and Default Counseling Definition

Programs that provide assistance for people who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Services may include information about the foreclosure process, legal timelines and how to contact and negotiate with a lender; assessment of the homeowner's financial situation and development of a plan to address homeownership and financial issues; in-depth financial counseling regarding foreclosure avoidance options and/or options that involve leaving the home; advocacy with lenders, when necessary; and referrals to foreclosure prevention resources. Also included are programs that provide mediation services to negotiate a compromise between the individual and the financial institution that holds their mortgage in order to avoid foreclosure.
YL-3300.4500Low Income Definition

Individuals or families whose annual income is between 150 and 200% of poverty level for their family size.
YL-3300.6500Poverty Level Definition

People whose annual income is within the federal poverty level guidelines which vary according to family size and are revised annually.
YM-6200People At Risk of Foreclosure Definition

Individuals and families who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Also included are people who are unable to make their property tax payments and at risk of losing their homes through tax foreclosure.
YZ-6600Poverty Issues Definition

Programs that provide information and/or services that deal with the topic of poverty.