Foreclosure Help In Michigan
✅ Free Foreclosure Help Resources in Genesee County, MI
- Habitat for Humanity – Genesee County
- Offers free, one-on-one housing and financial counseling. Genesee County Habitat for Humanity
- HUD-certified counselors help with foreclosure prevention, budgeting, and long-term housing planning. Genesee County Habitat for Humanity
- Phone: 810-766-9089 (ext. 209 or 206) Genesee County Habitat for Humanity
- Genesee County Legal Self-Help Center
- Help navigating legal forms, understanding your rights, and connecting to legal aid. Home | Michigan Legal Help
- Located at Flint Public Library (1026 E Kearsley St) and in Grand Blanc. Home | Michigan Legal Help
- Staff can’t give legal advice, but they can help you find the right free resources. Home | Michigan Legal Help
- Genesee County Legal Resource Center
- Provides legal information and referrals. Home | Michigan Legal Help
- “Navigators” on-site help you use Michigan Legal Help to find forms and instructions. Home | Michigan Legal Help
- Address: 900 Saginaw St., Flint, MI 48502. Home | Michigan Legal Help
- Michigan Foreclosure Prevention Project (Statewide)
- Provides free legal help and works with certified housing counselors. miforeclosure.mplp.org
- If you receive a foreclosure notice, call 866-946-7432 for help. miforeclosure.mplp.org
- Helps you understand your options, negotiate with your lender, or defend your rights. miforeclosure.mplp.org
- Genesee Community Health Center (GCHC) – Homeless Prevention Program
- Provides emergency housing help: rental arrears, utility payments, case management. genchc.org
- Good for people at risk of losing their home entirely. genchc.org
- Phone: 810-600-4525 (option 2) genchc.org
- Address: 422 W. 4th Ave, Flint, MI 48503 genchc.org
- Flint/Genesee Continuum of Care (CoC)
- Helps coordinate housing and service providers across Genesee County. Flint/Genesee County Continuum of Care
- Can connect you to programs for housing stability, including foreclosure-risk interventions. Flint/Genesee County Continuum of Care
- Crisis Line: 810-544-HELP (4357) Flint/Genesee County Continuum of Care
- MI Free Legal Answers (for Genesee County)
- A free online tool where low-income Genesee County residents can ask non-criminal legal questions. Michigan State Bar
- You can ask about foreclosure, mortgage issues, credit problems, etc. Michigan State Bar
- Website: mi.freelegalanswers.org Michigan State Bar
- Foreclosure-Rescue Scam Awareness – Michigan Office of Financial and Insurance Services (DIFS)
- Provides information on how to spot and avoid foreclosure rescue scams. Michigan.gov
- If someone promises to “save” your home in a way that seems too good to be true, this is a great resource. Michigan.gov
- To report a scam: call Michigan’s DIFS or the Attorney General’s Consumer Protection Team. Michigan.gov
- Genesee County Community Resource List
- The Greater Downtown Library (GDL) has a resource guide that includes housing assistance, money-management, and foreclosure help. thegdl.org
- It lists local nonprofits, legal services, and other helpful agencies.
🏠 Key Resources in Michigan for Foreclosure Help
- This is a statewide legal aid effort specifically for people facing foreclosure. miforeclosure.mplp.org
- They provide free legal representation through attorneys in legal services offices across Michigan. miforeclosure.mplp.org
- If you're dealing with foreclosure, contact MFPP before making major decisions — they can help you understand your rights.
- MSHDA-Certified Housing Counselors
- Michigan’s State Housing Development Authority (MSHDA) has a network of HUD-certified housing counseling agencies. Michigan.gov
- These counselors can help with:
- Assessing your financial situation
- Budgeting and mortgage planning
- Negotiating with your lender for loan modification or forbearance Michigan.gov
- You can find a counselor near you using MSHDA’s Housing Education Locator. Michigan.gov
- Step Forward Michigan
- A program that offers forgivable loans (i.e. potentially “free” money) to help catch up on mortgage payments or property taxes if you’re behind. Michigan.gov
- You can call their toll-free line: 866-946-7432. miforeclosure.mplp.org
- This is especially helpful if you’re unemployed or under financial stress.
- Legal Help for Pandemic/Post-Pandemic Foreclosure
- Michigan Legal Help has a guide explaining options like pausing or reducing mortgage payments, especially for pandemic-related hardship. Home | Michigan Legal Help
- They strongly recommend working with a certified housing counselor. Home | Michigan Legal Help
- Habitat for Humanity of Michigan – Housing Counseling
- Habitat for Humanity in Michigan offers free counseling, financial education, and one-on-one help. Habitat for Humanity of Michigan
- Their counselors can walk you through steps to modify your loan, avoid foreclosure, or rebuild financially.
- Community Action Organizations
- Metro Community Development (serving various counties): Provides foreclosure prevention counseling, helps with Step Forward applications, and connects homeowners to local resources. Metro Community
- Community Action House (in Allegan & Ottawa Counties): Offers foreclosure workshops, budget counseling, negotiation help, and more. Community Action House
- Scam Prevention & Legal Safety
- Be careful: never pay someone upfront just to help you avoid foreclosure. Michigan Municipal League
- Use only HUD or MSHDA-certified counselors for help. miforeclosure.mplp.org
- If you suspect a foreclosure rescue scam, report it to the Michigan Attorney General.