Provides a toll-free hotline that is open 24 hours per day, seven days per week for callers that have low to moderate-income households that are in danger of losing their homes. Callers are connected to a nonprofit counselor who will provide telephone-based budget counseling assistance, customer triage and negotiation with lenders, when appropriate. If more assistance is needed, callers will be referred to a local nonprofit organization whose employees are certified to provide intensive financial counseling and direct consumers to local services and resources, including possible assistance through the Ohio Home Rescue Fund.

Offers an array of services including foreclosure prevention, credit and budget counseling, financial education, and homebuyer education (including down payment assistance).

Provides counseling, education, and advice on housing issues: *Mortgage Delinquency and Foreclosure Prevention *First Time Home Buyer Counseling and Education *First Time Renter

Provide temporary shelter for single women and women with children who are homeless. Length of stay is 30 days with goal of moving to stable housing. Assistance with finding permanent housing and other resources.

Default Counseling and Foreclosure Prevention. As a HUD certified counseling agency, we work with you and your lender to save your home. Home Buyers Workshops - We offer comprehensive housing seminars to prepare attendees for home ownership Homelessness Counseling and Rental Counseling to prevent homelessness Reverse Mortgage Counseling to explore the Home Equity Conversion Mortgage as a home equity option for seniors over 62 years of age.

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.

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.

This toll-free hotline will connect callers to a nonprofit counselor who will provide telephone-based budget counseling assistance, customer triage and negotiation with lenders, when appropriate. If more assistance is needed, callers will be referred to a local nonprofit organization whose employees are certified to provide intensive financial counseling and direct consumers to local services and resources, including possible assistance through the Ohio Home Rescue Fund.

Provides counseling, education, and advice on housing issues: *Mortgage Delinquency and Foreclosure Prevention *First Time Home Buyer Counseling and Education *First Time Renter

Provides information and guidance and/or legal representation for people who are unable to make their mortgage payments and may be at risk or in the process of losing their homes through foreclosure.

Connects individuals and families to nonprofit member agencies offering telephone, online, and in-person counseling about managing household finances, escaping debt, affordable home ownership, filing bankruptcy, managing student loan debt, and improving credit. People can search the website by zip code for nearest agencies. Member agencies can assist with developing personalized budget plans and Debt Management Plans (DMPs).

Provide temporary shelter for single women and women with children who are homeless. Length of stay is 30 days with goal of moving to stable housing. Assistance with finding permanent housing and other resources.

Provide temporary shelter for single women and women with children who are homeless. Length of stay is 30 days with goal of moving to stable housing. Assistance with finding permanent housing and other resources.

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.

Provide temporary shelter for single women and women with children who are homeless. Length of stay is 30 days with goal of moving to stable housing. Assistance with finding permanent housing and other resources.

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.

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.

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.

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

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.

Provide temporary shelter for single women and women with children who are homeless. Length of stay is 30 days with goal of moving to stable housing. Assistance with finding permanent housing and other resources.

Evaluates cases involving: - Mortgage foreclosure where applicant wants to save the home, is living in the home as a primary residence and the foreclosure is not based on condominium fees; - Applicant is the borrower on the mortgage note or is the surviving spouse, former spouse, or heir of the deceased borrower; - Tax foreclosure where foreclosure was NOT filed by the County Treasurer; - Pre-foreclosure due to unpaid property tax where foreclosure has been threatened but not filed yet.

Provide temporary shelter for single women and women with children who are homeless. Length of stay is 30 days with goal of moving to stable housing. Assistance with finding permanent housing and other resources.

Provides counseling services for mortgage delinquency or foreclosure problems. Sessions are held one-on-one or in groups. Agency provides housing counselors certified by the U.S. Department of Housing and Urban Development (HUD). Service includes developing a plan for reinstatement by lenders, modifying mortgage loan documents, negotiating agreements with lenders, and helping with finding mortgage relief programs.

Self-directed guidance available to help distressed homeowners avoid foreclosure as well as negotiate an affordable monthly payment with their mortgage loan servicer. Individual counseling available on a limited basis. NHP is a HUD approved housing counseling agency.