Foreclosure Counseling

Independent Foreclosure Review

Information National Mortgage Settlement

Worried about your next house payment or have already missed payments? Counselors provide free and confidential education and counseling to homeowners.  Counselors are certified and HUD-approved. 
Don’t waste another sleepless night. Waiting limits your options.
CALL TODAY: 651-458-0936 x 542

All foreclosure prevention services are free, including:

• Information about the foreclosure process
• Financial and mortgage counseling
• Identify options for preventing foreclosure
• Reviewing programs such as Making Home Affordable or Foreclosure Sale Postponement
• Assist with applying for work out options and facilitate communication with mortgage company
• Information on predatory practices and how to address mortgage scams
• Smooth transition counseling if foreclosure is imminent

Be aware of companies who charge fees, ‘guarantee’ a modification or ask you to sign over your property or legal rights. Homeowners who suspect a scam are encouraged to call us immediately.

The HRA offers foreclosure prevention workshops in the Washington County libraries. Attendance is free and there is not registration needed.

Schedule for Workshops

Day & Time	Location	Room & Address
Thursday, April 26 6-7pm	R.H. Stafford Library Woodbury	Conference Rooms A&B 8595 Central Park Place
Thursday,May 10 5:30-6:30pm	R.H. Stafford Library Woodbury	Conference Rooms A&B 8595 Central Park Place
Wednesday, May 30 5:30-6:30pm	Oakdale Library	Meeting Room 1010 Heron Ave N
Thursday, June 14 5:30-6:30pm	Oakdale Library	Meeting Room 1010 Heron Ave N
Tuesday, June 26 5:30-6:30pm	R.H. Stafford Library Woodbury	Conference Rooms A&B 8595 Central Park Place
Thursday, July 12 5:30-6:30pm	R.H. Stafford Library Woodbury	Conference Rooms A&B 8595 Central Park Place
Wednesday, July 25 5:30-6:30pm	Oakdale Library	Meeting Room 1010 Heron Ave N

 

Applications and Forms

Application - PDF Document

Income & Expense Statement - Excel Document

Income & Expense Statement - PDF Document

Release Forms

How to Write a Hardship Letter

Hardship Letter (sample)

Appointments Available in Hugo

Do you live in Northern Washington County?

Counselors offer appointments once a month at the Hugo City Hall.  Call to inquire or sign up for an appointment at the workshop. Counselors also conduct phone appointments.

Hugo City Hall
14669 Fitzgerald Avenue North
Hugo, MN 55038

Main Number: 651-762-6300
info@ci.hugo.mn.us

 

For More Information

Fact Sheets (From the Minnesota Home Ownership Center)

Foreclosure Prevention Counseling Program Brochure

 

Click for tools to spot and stop loan modification scams.