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Provides home mortgage loan counseling services to those who are in danger of losing their home. Works with the lender to negotiate and restructure the loan in order to create better terms for the borrower. In some cases, agency will refinance the loan. Goal is to bring the interest rate down to a level where the borrower can make sustainable payments.

211 Cleveland

Program can help even if you have missed several payments or have received foreclosure documents. Goal is to provide the tools necessary to maintain home ownership by identifying the cause of default or delinquency, and reviewing intervention strategies and budgeting skills.

211 Pathways

Provides mortgage foreclosure counseling and assists consumers in avoiding predatory loans. Counseling provided by member real estate professionals. Offers information and recommendations so that clients can make appropriate decisions to settle delinquent mortgage payments or to get out of default. In some cases, agency may contact and negotiate with lender on behalf of client in order to resolve the situation. Offers counseling on pre-purchase home counseling, classes to get pre-certified for FHA home purchasing and other housing counseling certificates, budget and credit counseling.

211 Cleveland

Provides mortgage foreclosure counseling to help clients address their current or impending mortgage foreclosure situation. Advocates on behalf of the client with mortgage holders and other creditors. Provides information on budgeting and credit issues, available community resources, and options one might have when facing foreclosure.

211 Cleveland

The Making Home Affordable Program (MHA) ® is designed to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy. Depending on the situation, homeowners can lower their monthly mortgage payments; If homeownership is no longer affordable or desirable, there is a program that can provide a way out, avoiding foreclosure; There are also options for unemployed homeowners and homeowners who owe more than their homes are worth.

211 Pathways

SEOLS provides advice and representation for tenants who live in private or subsidized housing. Our goal is to preserve and improve the quality of the tenant’s home. Legal services are provided in the following areas: - Evictions - Fair housing - Security deposits - Issues with the condition of rental properties - Section 8 Voucher terminations - Mortgage foreclosures - Tax foreclosures.

211 Pathways

Homeless Outreach and Case Management, Rapid Re-housing, Emergency Assistance/Basic Needs, First Step Pregnancy Support, Social Work Counseling, HUD housing counseling including Foreclosure Prevention and Pre-purchase education, SSI/SSDI/SOAR Specialist, Prison Re-entry Case Management.

HNNEO 211

Provides legal assistance in the following housing areas: wrongful evictions and landlord/tenant disputes, foreclosures, public housing and Section 8 disputes, housing discrimination, utility shut-offs, and other housing-related issues.

211 Allen County

211 UWGC

Provides a home loan guaranty benefit and other housing-related programs to help veterans buy, build, repair, retain, or adapt a home for their own personal occupancy. Veterans Affairs (VA) Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide more favorable terms to veterans. In most cases, the mortgage is low interest and no down payment or mortgage insurance payments required. Will provide mortgage counseling to participating veterans who are having difficulties with paying their mortgage or who may already be in default. Mortgage counselors will provide information concerning the foreclosure process and what the veteran's rights and responsibilities are in that situation. Will attempt to seek solutions with the lender to help the veteran keep the home and will take complaints from veterans against their mortgage provider.

211 Cleveland

Assists residents with housing issues through the following: * Homeownership Project - Assists homeowners facing foreclosure with improving their financial situation and asserting rights in foreclosure proceedings. * Neighborhood Law Project - Promotes economic development in historically disadvantaged neighborhoods. Provides legal advocacy and supports grassroots efforts focused on social justice and racial equity. * Tenant Assistance Project - Assists low-income renters with maintaining their home, improving living conditions, and asserting rights in eviction proceedings. Also provides advocacy around right-to-counsel in eviction cases and sealing of past eviction cases.

211 Mansfield OH

Provides information and guidance for individuals who are having difficulty meeting their financial obligations and, as a result, are faced with a loss of their credit rating, foreclosure and loss of their home or property, IRS tax audit, or bankruptcy. Offers a Debt Relief Hotline to discuss credit card debt, a Mortgage Relief Hotline to discuss issues about home mortgages, a Tax Relief Hotline to discuss federal income tax audits, and a Bankruptcy Advice Hotline to discuss legal issues regarding bankruptcy.

UW 211 Greater Toledo

Provides legal assistance which may include information, advice, or representation as well as online resources to help with the following issues: *Eviction and Foreclosures *Grievance/Informal meeting (if you have rent-subsidized housing) *Lockouts or utility shutoff by landlord without court order *Retaliation by landlord *Concerns related to domestic violence *Discrimination based on protected classes (race, color, national origin, religion, sex, familial status, disability) *Lead poisoning issues *Mobile home tenant and owner issues *Eviction record sealings *Security Deposits *Conditions/Rent Escrow and Land Contract issues *Small Claims lawsuit by landlord

211 Fairfield

Offers First Time Homebuyer Workshops (HUD Certificate Eligible), Credit Health Education, and Financial Health Plans. Provides free and confidential debt management services including negotiating payment arrangements with creditors; does not pay bills; does not make loans; credit report review sessions available for a fee.

HNNEO 211

Offers counseling funded by the federal Office of Housing and Urban Development (HUD) 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.

211 Summit

Provides mortgage foreclosure counseling to help clients address their current or impending mortgage foreclosure situation. In some cases, agency will advocate on behalf of clients with mortgage holders and servicers. May assist and/or provide support for (in limited situations) clients who are involved in the Cuyahoga County Court of Common Pleas Foreclosure Mediation Program. Provides information on budgeting and credit issues, available community resources, and the general options one might have when facing foreclosure. If needed, other services may be offered based on each participant's particular situation. Agency is approved by the US Dept. of Housing and Urban Development (HUD) to provide mortgage foreclosure and prevention counseling.

211 Cleveland

Provides counseling for those who are interested in buying and maintaining a home. Will review and explain loan documents. Provides information for those who may have or are in danger of falling behind on current mortgage payments on a home. Provides post-purchase information on home maintenance.

211 Cleveland

Attempts to prevent mortgage foreclosure by providing counseling for those experiencing the first signs of financial difficulty (fear of missing a mortgage payment, one, two or more missed mortgage payments). Will assess the client's financial situation, offer help with budgeting, set up a plan, and make the initial call to the mortgage holder to determine a workable solution. Does not provide funds to clear up delinquency or foreclosure.

211 Cleveland

Provides foreclosure counseling and financial assistance for those who qualify.

UW 211 Greater Toledo

Privides advice on housing issues that involves mortgage default, homebuyer education. This program also offers direct assistance with mortgage to prevent homelessness.

HelpLink 211 Dayton

Provides contact information for agency approved counseling agencies throughout the service area. Provides information, sometimes through seminars and workshops, on how to buy a home. Also assists homeowners with problems of property maintenance and financial management. Organizations with expertise in real estate can apply to become approved counseling agencies.

211 Cleveland

211 UWGC

Provides advice and representation for those being evicted, foreclosed upon, locked out, having difficulty obtaining repairs from a landlord, or who have had utilities terminated. Advice and representation may also be available to those who wish to enforce special rules of subsidized housing, or those seeking assistance with land contract problems and housing discrimination matters. NOTE: Information on the Fall 2020 National Eviction Moratorium is available on the agency's website.

211 Cleveland

Provides counseling to homeowners having difficulties with their mortgage, including those in foreclosure. Includes preparation of paperwork, assistance with budgeting and review of available options, including negotiating with lenders.

211 Cleveland

Provides assistance to people who are facing foreclosure, behind on house payments and in the stages of the foreclosure process.

UW 211 Greater Toledo