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Mortgage Delinquency and Default Counseling

Programs that provide assistance for people who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Services may include information about the foreclosure process, legal timelines and how to contact and negotiate with a lender; assessment of the homeowner's financial situation and development of a plan to address homeownership and financial issues; in-depth financial counseling regarding foreclosure avoidance options and/or options that involve leaving the home; advocacy with lenders, when necessary; and referrals to foreclosure prevention resources. Also included are programs that provide mediation services to negotiate a compromise between the individual and the financial institution that holds their mortgage in order to avoid foreclosure.

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Found 10 resources (displaying 10)

Thru: Consumer Credit Counseling Service of Rochester, Inc.

Eligibility:
None.
Languages:
Spanish, English
Map Marker 1

Consumer Credit Counseling Service of Rochester, Inc.

1050 University Avenue
Suite A
Rochester, NY

Thru: Money Management International

Eligibility:
Ages 18 and older.
Map Marker 2

Money Management International

5794 Widewaters Parkway
Syracuse, NY

Hours:
24 hours.

Thru: Community Action in Self Help

Eligibility:
Varies depending on service provided, call for information.
Map Marker 4

Community Action in Self Help

48 Water Street
Lyons, NY

Thru: The Housing Council at PathStone, Inc.

Eligibility:
Call for information or visit website, www.thehousingcouncil.org.
Languages:
Spanish, American Sign Language
Map Marker 5

PathStone Canandaigua Office

5297 Parkside Drive
Suite 410
Canandaigua, NY

Map Marker 6

The Housing Council at PathStone, Inc.

75 College Avenue
4th Floor
Rochester, NY

Thru: Legal Assistance of Western New York, Inc. - Geneva Office

Eligibility:
Clients must meet financial, residency and other eligibility guidelines.
Languages:
Use a phone translation service for languages other than English and Spanish., Spanish
Map Marker 7

Legal Assistance of Western New York, Inc. - Geneva Office

361 S Main Street
Geneva, NY

Hours:
M-F 9:00AM-5:00PM. Closed on federal holidays.

Thru: CareConnect USA

Eligibility:
Homeowner's who are defaulting on their mortgages or having trouble making their mortgage payment.
Languages:
Spanish

CareConnect USA

2019 Sandy Pond Lane
Waxhaw, NC

Thru: Urban League of Rochester New York

Eligibility:
First time home buyers, those at risk of losing their home, low income individuals, college students, anyone in need of financial literacy services.
Languages:
Translation services offered upon request.
Map Marker 8

Urban League of Rochester New York

265 North Clinton Avenue
Rochester, NY

Hours:
Workshops are also offered in the evenings and on SA.

Thru: Homeownership Preservation Foundation

Eligibility:
Anyone struggling to pay their mortgage.

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