How do I know that your agency is not a scam?
We are a sub grantee of the Michigan State Housing Development Authority (MSHDA) to provide foreclosure prevention services (A State Agency). You can view the MSHDA website by clicking here.
Do I have to be in foreclosure in order for me to get help from Neighborhood Housing Services?
No! In fact, as soon as you think you might be in a financial hardship that might effect your ability to pay your mortgage payment, you have many more options available to you then you would if you were already in foreclosure.
What is it that you do?
Our job is to inform you of all the options at your disposal, and allow you to make the best informed decision regarding your situation. Also, if we get to a point where there may be some technical legal issues, we can refer you to attorneys who can assist you further. Because we are a non-profit agency, our main focus is to help in whatever way we can. We cannot guarantee any particular outcome, but we will try our hardest to give you the tools you need to get you where you want to go.
Can you help any homeowner?
Most of the time, but there are some exceptions, such as the end of the redemption period after a sheriff sale. Once you contact us, we’ll let you know how we can help your situation.
Does everyone listed on the mortgage need to be at the scheduled appointment meeting?
No, although it is helpful for everyone involved. We require at least one person listed on the mortgage to attend the meeting. If there is a Sheriff Sale scheduled, then everyone should be present, either by person or by conference call. In addition, we can ONLY help those that are listed on the mortgage.
Do I have to pay for your services?
Absolutely not! Our services are payed for with taxpayer’s dollars, and our services cost you nothing. In fact, if you are being charged for the same services we provide for free, you may be the victim of a scam. For more information, click here.
How will this affect my credit?
Depending on the circumstances, it may not affect your credit at all. However, in cases where a homeowner is delinquent AND the servicer has reported the delinquency to the credit agencies, your credit is negatively affected. If you are facing financial hardship, it is unlikely you are looking or able to make a major purchase. Even in the worst case scenarios, your credit can always be repaired, sometimes in as little as 2 years.
Do you help me by paying my mortgage?
No, and be aware of any agency that says they can.
Do I have to be income eligible?
There are no income eligibility limits or requirements for foreclosure prevention services.
How long does the process take?
Many lenders were overwhelmed with homeowners facing foreclosure when the economy was hit hard at the end of 2008. Because of this, many homeowners seeking help from their servicers (such as a refinance or loan modification) are backlogged up to 180 days. However there has been some progress, and there are cases where the process can take as little as 60 days.
I have a mobile home. Can you help me with a loan modification?
Possibly, but the mobile home MUST BE on owned land that is NOT in a trailer park. Mobile home mortgages are treated as car loans UNLESS the mobile home is permanently fixed.
I am not listed on the mortgage documents. Do I need to come to the appointment?
It is not mandatory but if you live in the household and are contributing to the household income, you should attend. Our housing counselors will help you plan a budget that works for you and your lender, therefore it is in everyones best interest to be in agreement to avoid future potential delays.
I have children, is it okay for me to bring them?
We recommend that you do not bring small children, as they may cause distractions to you or our counselors. Our counselors will have a limited amount of time to deliver the best information possible in order for you to make the wisest decisions about the future of your financial stability. However, we understand that you may have no choice, and that is why this is not a mandate…only a recommendation.
What are my rights as a homeowner?
As of July 5th, 2009, lenders will be required to give written notice to a defaulting borrower, providing the name and phone number for a real person the borrower can speak with. What’s more, this person has to have the authority to negotiate and approve a loan modification. Anyone that’s had to deal with the customer service department at a lender can tell you how frustrating it is to get someone on the phone that can make a decision. So, this is great news.
Lenders will also be required to send a defaulting borrower a list of state approved housing counselors and gives borrower the right to require a lender’s authority person to meet with the borrower and the counselor to work out a loan modification. Once a borrower asks for this meeting, the foreclosure is put on hold for 90 days.
What do I need to bring to the appointment?
A list of required documentation is available for printing by clicking here. Or, we can mail (or email) the packet to you by request.
Where are you located?
We are located at 11 N 6th St in Grand Haven, MI 49417. Our building is on the west side of 6th Street, in between Washington Ave and Columbus Ave. It is on the lower floor of the Public Safety building.
What does your building look like?
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