- Access reputable Michigan online resources such as the Michigan Foreclosure Task Force Toolkit at www.miforeclosureresponse.org or www.holdontoyourhome.org
- Access the Consumer Finance Protection Bureau at www.consumerfinance.gov/askcfpb to learn about your rights.
- Contact legal services for free assistance with legal issues www.michiganlegalaid.org
- Learn about all of your options, including what life after a foreclosure entails. Access the Starting Over After Foreclosure Toolkit at www.mimoneyhealth.org
WORK WITH YOUR CREDITORS TO EXPLORE OTHER OPTIONS
- Contact the County Treasurer’s office to see if they will accept payments for delinquent taxes, payment plans, and/or debt forgiveness.
- Contact your lender or loan servicer to discuss options that may be available, including reinstatement, forbearance, repayment plans, refinance, claim advances and/or loan modifications, short sale, or deed in lieu of foreclosure.
WORK WITH A MSHDA APPROVED AGENCY.
- Qualified housing educators are located in agencies throughout the state that can help locate resources and advocate for you. MSHDA approved agencies can be found by visiting www.mshda.info/counseling_search/index.jsp or calling 517-373-8370.
ALTHOUGH LIMITED, MONETARY ASSISTANCE MAY BE AVAILABLE IF YOU QUALIFY.
- Step Forward Michigan: Step Forward Michigan has two programs designed to assist Michigan homeowners who are unemployed, underemployed, or underwater. For more information or to apply, visit to www.stepforwardmichigan.org.
- Check the HUD website to learn about federal programs for which you may be eligible, including Home Affordable Refinance Program (HARP), Home Affordable Modification Program (HAMP), or Home Affordable Unemployment Program (UP) and others: www.portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure.
- Tax Benefits: You may qualify for tax benefits that could decrease tax debt such as: Michigan Principal Residence Exemption, the Michigan Homestead Property Tax Credit, the Michigan Poverty Exemption, or the Disabled Veterans Exemption. Visit www.michigan.gov/taxes.
FIND SERVICES AND OPPORTUNITIES TO HELP OFFSET HOUSEHOLD EXPENSES.
- Area Agencies on Aging and Centers for Independent Living: Offer services for older adults and adults with disabilities at www.mi-seniors.net/regionmap
- Department of Human Services: Help may be available for heat & utilities, energy & weatherization, food assistance, home repairs, home ownership, relocation and cash assistance at www.michigan.gov/dhs/0,4562,7-124-5453—,00.html
- Michigan Special Assessments: If you are over 65 and totally and permanently disabled, contact your City/ Township/ County office to see if you qualify for a Special Assessment: http://www.michigan.gov/taxes/0,4676,7-238-43715-182737–F,00. Html
- United Way: Call 2-1-1 for community-based assistance or go to www.michigan.govhelpinghand/0,4595,7-258-54142—,00. Html
- Internet Essentials from Comcast: Income eligible families may qualify for a low-cost computer and internet access for school age children. Apply at www.InternetEssentials.com or call 1-855-8-INTERNET (1-855-846-8376)
- Property Improvement Program (PIP): This MSHDA program provides loans up to $25,000 to substantially protect or improve the basic livability or utility of a home; visit www.michigan.gov/homeimprovement for more information.
- FHLBI Neighborhood Impact Program (NIP): Income eligible families may qualify for grants for energy efficiency upgrades or housing rehabilitation. For more information, visit www.fhlbi.com/housing/NipProg.asp
- City of Detroit: Offering home improvement loans at 0% interest for qualified homeowners who are current on property taxes or property tax payment plan. www.detroithomeloans.org/
PLAN FOR TRANSITIONAL HOUSING.
- Affordable Rental Housing: Search for rental housing at MSHDA’s Michigan Housing Locator website www.michiganhousinglocator.com
- Local Public Housing Authorities: They may offer Housing Choice Vouchers or subsidized housing at www.hud.gov/offices/pih/pha/contacts/states/mi.cfm
- Faith-Based and Community Organizations: They may offer assistance with moving and storage.
- Rental Housing Scams: Be aware of scams when searching the internet for rental housing. For more information, go here: www.zillow.com/wikipages/Beware-of-Scams-and-Other-Internet-Fraud/
- Landlord Tenant Issues: Michigan State University’s Landlord Tenant Hotline can be accessed by dialing 517-336-8088. Information provided by the Michigan Legal Help Program is located here: www.michiganlegalhelp.org/self-help-tools/ housing/tenant-rights-and-responsibilities
TAKE CARE OF YOURSELF.
- Foreclosure can pose an enormous stress on a family’s mental wellbeing, leading to increased anxiety, depression and even thoughts of suicide. Help is available.
- Veteran’s Crisis Line: 24/7 assistance is available by calling 1-800-273-8255 (press 1) or accessing www.veteranscrisisline.net/
- National Suicide Prevention Lifeline: By calling 1-800-273-TALK (8255) you’ll be connected to a skilled, trained counselor at a crisis center in your area, anytime 24/7. www.suicidepreventionlifeline.org/