I Own a Home

CNHS offers free Foreclosure Counseling in English, Spanish and Hmong for homeowners who are already behind on their mortgage payments as well as those who are having trouble making ends meet but have not actually missed any mortgage payments yet. Either way, the sooner you seek help, the more options you will have available. Housing counselors can explain and answer questions about the foreclosure process, explain your rights, and give you personalized information based on your individual family's situation and needs. Budgeting and credit counseling are also included in Foreclosure Counseling.

Unlike many other people you will encounter in the housing profession, housing counselors have no financial interest in what happens with your house. This ensures that you will receive unbiased information. Foreclosure counseling often involves getting into issues that go beyond mortgages, and housing counselors can also refer you to other services as needed. There is no guarantee that a housing counselor will be able to prevent a foreclosure, but they can give you information and help you assess your situation to figure out the best long-term solution for you and your family.

Foreclosure services offered at CNHS are free. HUD sponsors several organizations in the twin city area which offer free authorized counseling. If someone is offering you foreclosure counseling services for a fee, beware. There is no need to pay a fee.