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.
Telephone interview with foreclosure prevention specialist, who then sends out a packet of forms via mail or email to client, as applicable.
Forms to be completed and signed (see below) and client documents to be gathered prior to setting appointment.
Once all forms are completed and documents gathered, client must call to set up an appointment with the foreclosure prevention 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.
At appointment, foreclosure prevention specialist will review the situation with client, offer options based on individual circumstances, and help client create an Action Plan.
Individual Documents to be Completed and Brought to Appointment
Individual Informational Documents
Foreclosure Avoidance Resources: Before the Sheriff's Sale
Transition Resources: After the Sheriff's Sale, During the Redemption Period
Staff at Community Action House make 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.