Detroit Michigan foreclosure prevention programs.
Detroit Michigan has been hit hard the the weak economy and housing crisis. Below you will find information on where to go for foreclosure prevention, housing counseling, and information on various mortgage assistance programs.
Many of the agencies and programs have been organized by the Detroit Office of Foreclosure Prevention and Response (FPR). They have taken the lead in organizing resources across the city and county. The group is an independent public/private agency that coordinates foreclosure prevention resources, non-profits, and government programs across Wayne County and Detroit Michigan.
HUD and state of Michigan foreclosure counselors
Detroit borrowers have two types of counselors they can turn to for assistance. The first is a non-profit HUD approved counselor. They get their certifications from the federal government level, while MSHDA approval comes from the State of Michigan. Regardless of where their approval comes from, these foreclosure prevention specialists can help you assess your financial situation.
They will then sit down with clients for free and suggest realistic and sustainable options and choices that may be available to borrowers in order to get back on track with their mortgage payments. In addition, they offer services that can potentially help individuals increase their income and/or reduce other debts, such as credit card expenses and medical debts. Most housing counselors will often have a great deal of knowledge about local resources as well as government programs that may be available.
At a client’s direction, a housing counselor can work and communicate directly with a mortgage company to discuss possible solutions and options, and they provide this service free of charge. They offer advice, guidance, and support throughout the process. The bottom line is that these HUD certified counselors can work with homeowners and their mortgage company or servicer to find options that may be available to help someone save their home.
As indicated, the various services and foreclosure prevention programs administered are free or charge to Detroit homeowners. The services are paid through federal government funds and there are generally no income requirements in order to qualify for aid.
The leading organizations in Wayne County and the city are below. Call for hours and to make an appointment.
Center for Community Justice
(313) 832-4788
Greenpath, Inc.
(313) 961-1018
Bethel Housing Counseling
(313) 833-9912
Jewish Vocational Services
(313) 833-8100
Central Detroit Christian DC
(313) 873-0064 ext. 18
Det Alliance for Fair Banking
(313) 871-9050
Detroit Non-Profit Housing Corp.
(313) 972-1111
Michigan Neighborhood Partnership
(313) 361-4530
Phoenix Hsg & Counseling
(313) 964-4207
Southwest Housing Solutions
(313) 841-9641 ext. 365
Abayomi CDC
(313) 541-9828
New Hope Community Dev.
(313) 255-6275
U-SNAP-BAC Non Profit Hsg.
(313) 640-1100
Amandla Comm. Development Corp.
(313) 347-2829
Family Tree
(313) 962-2329
Mission of Peace
(313) 967-0140
National Faith Homebuyers
(313) 255-9500
Neighborhood Legal Svcs.
(313) 964-1975
Looking for My Sister
(313) 861-3221 ext. 12
Liberty Hill Housing Corp.
(734) 722-4980
Wayne Metro CAA
(734) 284-6999
Find additional free or low cost Michigan HUD housing and foreclosure prevention agencies.
Foreclosure legal assistance programs
Many homeowners in Detroit may want to talk to an attorney if they are experiencing a foreclosure. In general, it is recommended to get legal advice if the foreclosure proceeding has already started, if you are on the verge of bankruptcy, or if you have a subprime or predatory loan. Many of the lawyers also parter with HUD counselors, including those listed above. The organizations below provide individuals with free or low cost legal advice and services.
Acclaim Legal Services
17117 West Nine Mile Road, Suite 925
Southfield, Michigan 48075
(248) 840-3368
Michigan Legal Services
220 Bagley Avenue, Ninth Floor
Detroit, Michigan 48226
(313) 964-4130
In addition to foreclosure prevention, they also offer property tax and legal assistance for qualified low-income individuals.
Legal Aid and Defender Association
645 Griswold Street, Suite 3466,
Detroit, Michigan 48226
Phone number - (313) 964-4111 (information)
Legal Hotline for Michigan Seniors (60+)
1-800-347-5297
They assist seniors and individuals over the age of 60.
Michigan State Bar Association’s Lawyer Referral Service
(800) 968-0738
Neighborhood Legal Services of Michigan
455 West Fort Street, Suite 214
Detroit, Michigan 48226
Call (313) 964-1975 for more information or to apply for help.
United Community Housing Coalition
220 Bagley Avenue, Second Floor
Detroit, Michigan 48226
(313) 963-3310 (Detroit only)
The services offered include landlord/tenant counseling, free legal aid to low-income residents, as well as housing placement counseling.
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