Foreclosure Counseling

CALL TODAY: 651-202-2822 or see application packet below

Free and confidential education and counseling is available to homeowners for their primary residence.  Homeownership Specialists are certified and HUD-approved.  The HRA is able to provide free counseling services through federal, state, and private grants.

Choose the Level of Counseling You Prefer:

Basic CounselingClick here for application

-General information on the foreclosure process

-Discuss options and their pros and cons

-Customized action plan with recommended next steps

In Depth CounselingClick here for application, Click here for Release Forms and Click here for Budget Worksheet

-Thorough review of your financial and mortgage information

-Discuss options, pros and cons and how the HRA can help

-Customized action plan with steps for the homeowner and HRA

Contact Us:

-Phone: 651-202-2822





-Fax: 651-458-1696

-Address: 7645 Currell Blvd, Woodbury MN 55125

Just Looking for Information? Attend a Library Workshop:

Topics include:

-Foreclosure process

-Different workout options

-Tips for talking to your lender

-How the HRA can help you

Workshop Schedule: There will be no workshops until March, 2014.

Pre-registration is encouraged but not required. To pre-register, call 651-202-2822


Day & Time


Room & Address

Wednesday, September 25

R.H. Stafford Library

Conference Rooms A&B
8595 Central Park Place

Tuesday, October 29


Meeting Room
1010 Heron Ave N

Thursday, November 21

R.H. Stafford Library

Conference Rooms A&B
8595 Central Park Place

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 at 651-202-2822

Click below for tools to spot and stop loan modification scams.

Look Before You Leap. Stop Forclosure Prevention Scams.


Click here to see how Washington County HRA helped a resident save his home.


Appointments Available in Hugo

Do you live in Northern Washington County?

Homeownership Specialist offer appointments once a month at the Hugo City Hall.  Phone appointments are also available if preferred.

Hugo City Hall
14669 Fitzgerald Avenue North
Hugo, MN 55038

Main Number: 651-762-6300

Additional Resources

Click here for Release Forms

Click here for information on How to Write a Hardship Letter

Click here for a Sample Hardship Letter

Click here for a detailed Budget Worksheet - Excel Document

Click here to review the Foreclosure Process

For More Information

Click here to be directed to Minnesota Homeownership Center website for additional information and fact sheets.

Does counseling work? Click here to check out a this study from the U.S. Department of Housing and Urban Development. Also Click here to see the study from the Urban Institute.