Our Program

Falling behind on your mortgage can happen for a variety of reasons that are hard to plan for, including a job change or loss, family changes, illness or something else. WCCA offers free, confidential and nonjudgmental guidance and advocacy to assist homeowners gain understanding of their options and rights in the process of foreclosure. We can help you create an action plan to get back on track.

How our Housing Counselors can help you:

• Understand your current mortgage status and give personalized information on foreclosure due to mortgage default, property tax delinquency, or HOA dues
• Explain your options within the foreclosure process, identify solutions available to you and create an action plan based on your unique situation and needs
• Apply for and submit mortgage assistance applications for available assistance programs
• Actively participate in lender communication to negotiate a workout plan to bring your loan current
• Review and develop a customized budget to assist in stabilizing your situation
• Explain your rights as a homeowner during the foreclosure process
• Help you find other community services and housing resources, if appropriate

We suggest that clients in danger of foreclosure seek counseling as soon as possible to learn about the foreclosure process and timeline in Minnesota. The earlier a client signs up for the program, the more options our counselors are able to provide.

Please note:

Our program does not provide financial assistance in making mortgage payments.

Call or email to set up an appointment so we can come up with a plan to fit your needs!

320-963-6500 or housing@wccaweb.com

Resources:

Foreclosure Process in Minnesota