Staying in your home may seem hopeless.

Johnson was struggling with his finances after being temporarily out of work due to medical issues. We helped him to avoid losing his house in foreclosure.

We can help you too.

Helpful information tailored to your situation.

Foreclosure

We oversee a network of professional foreclosure advisors who offer unbiased, confidential services to struggling homeowners free of charge. They’ll help you work with your lender or loan servicer, review your finances and much more. Be sure to act early as waiting can severely limit your options!

Online Foreclosure Postponement Tool

Refinancing

In Minnesota, state law requires you to obtain a certificate from a qualified Refinance Advisor before you can refinance or add a second mortgage to certain types of existing mortgages. Our advisors take the time to compare the terms of your existing mortgage with the new mortgage, and explain how any changes will impact your financial situation.

Reverse Mortgage

If you are considering a reverse mortgage, the law requires you participate in Reverse Mortgage Advising with a HUD-Approved Advisor agency in order to ensure you understand this financial tool and the benefits and drawbacks that go with it. We can refer you to a network partner offering this specialized service.

Rehab & Repair Programs

Minnesota has a number of rehab and repair grant and loan programs based on where your home is located. The Minnesota Homeownership Center maintains a comprehensive list of these programs, including contact information.

Rehab & Repair Program Directory

Common Questions

I can’t pay my mortgage and I just received a notice of intent to foreclose. What should I do?
Q:
I can’t pay my mortgage and I just received a notice of intent to foreclose. What should I do?
A:
You should speak with a foreclosure advisor as soon as you begin experiencing difficulty paying your mortgage. Don’t wait - the sooner you act, the more options you have!
How does the foreclosure process work?
Q:
How does the foreclosure process work?
A:
An overview infographic of the foreclosure process in Minnesota is available here. But be sure to connect with a foreclosure advisor to guide you as you navigate the process.
A Sheriff’s Sale has been scheduled for my home. What can I do?
Q:
A Sheriff’s Sale has been scheduled for my home. What can I do?
A:
Minnesota law allows homeowners to postpone a Sheriff’s Sale in exchange for a shortened redemption period. Again, be sure to connect with a foreclosure advisor to guide you through this complicated process and help you make the best choices based on your unique individual circumstances.
My home needs major maintenance and I can’t afford to pay for it on my own. Is there anything I can do?
Q:
My home needs major maintenance and I can’t afford to pay for it on my own. Is there anything I can do?
A:
Minnesota has a number of rehab and repair grant and loan programs based on where your home is located. The Minnesota Homeownership Center maintains a comprehensive list of these programs, including contact information. A link to this document appears above.
The overall program was perfect! I never purchased a house before, and it was overwhelming. The program gave me insight and took the fear out of the unknown.