The staff at Community Action House makes every effort to treat all people with respect and fairness, and to provide knowledgeable, culturally competent services to members of the community. As a client, you have the right to receive services that you are eligible for; we cannot always provide every service for every client, but whenever possible, we will provide referrals and information about alternative community resources.

Foreclosure Prevention


The Foreclosure Prevention Program assists homeowners in understanding the foreclosure process, budgeting for continued homeownership, and negotiating with mortgage companies to secure alternative work out options to avoid foreclosure. When foreclosure prevention is not an option, families will be provided ongoing support to transition into alternative affordable and stable housing.   The Foreclosure Prevention Program Housing Counselors are each certified by the Michigan State Housing Development Authority (MSHDA) and the NeighborWorks Center for Homeownership Education and Counseling (NCHEC), and have adopted the National Industry Standards for Homeownership Education and Counseling.


Any household at risk of losing their home to foreclosure and/or in the foreclosure process living in Ottawa or Allegan County should contact our office for more information.  


Monday-Friday 8:30-5:00, by appointment only.


For more information, please contact:

Brooke VanEe at (616) 392-2368(616) 392-2368  x129 or   

Our Process:

1.  Telephone interview with intake specialist, who then sends out a packet of forms via mail or email
     to client, as applicable.

2.  Forms to be completed and signed (see below) and client documents to be gathered prior to
     setting appointment. 

3.  Once all forms are completed and documents gathered, client must call to set up an appointment
     with the intake specialist to drop off the complete package.  The information will be reviewed for
     completeness, and if any documents are missing, the client will be contacted to bring in the
     missing documents.  Once the package is complete, the foreclosure prevention specialist will
     review the package and call the client to set up an appointment. 

4.  At appointment, foreclosure prevention specialist will review the situation with client, offer
     options based on individual circumstances, and help client create an Action Plan.

Complete Foreclosure Prevention Packet in PDF Format

Paquete de Informacion Completa en Espanol - PDF - DESCARGA AQUI

Individual Documents to be completed and brought to appointment:

Introduction Letter/List of Items Needed for Appointment   (Haga Clic aqui para Version en Espanol)

MSHDA Profile      (ESPANOL)

MSHDA Release of Information        (ESPANOL)

HUD Required Disclosure and Privacy Policy      (ESPANOL)

CAH - Client - Counselor Contract      (ESPANOL)

Monthly Household Budget Worksheet       (ESPANOL)


Individual Informational Documents

Foreclosure Timeline               (ESPANOL)

Sample Hardship Letter          (ESPANOL)

Hardship Letter Tips               (ESPANOL)

Homowner Options

Loss Mitigation Process Guide    (ESPANOL)



Foreclosure Avoidance Resources - Before the Sheriff's Sale:

Homowner Options

What Is the Foreclosure Process in Michigan?

What Happens to My Home Mortgage if I File Bankruptcy?

What Do I Need to Know About Judicial Foreclosure?

Homeowner Foreclosure Flyer - Help is Available

Step Forward Michigan




Transition Resources - After the Sheriff's Sale,
During the Redemption Period:

What Are My Rights During the Redemption Period?

MSHDA Moving Tips

Emergency Transition Information



What are our clients saying about their experience with our
Foreclosure Prevention Services?

"I would like to say a HUGE "Thank You" to Andrea Fantin for all her help
and support over the last year. She helped me keep my sanity and cool
in dealing with (my bank) and the Loan Modification process.
Community Action House has an awesome Team!" -





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