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One on One Counseling

Foreclosure/Mortgage Assistance

Homeowners who have experienced hardships can work with A HUD Certified counselor to assist with loss mitigation options to save homes from foreclosure. Options which include a modification, forbearance, partial claim, and others. Explore the options by scheduling an appointment.

Foreclosure Timeline Attached

City of Detroit Homeowners Property Tax Assistance Program

Each Applicant must own and occupy the property at his/her primary Homestead as of December of the prior year. A Homestead with a Taxable Value of $95,000 and above will not be considered for exemption unless there are extenuating circumstances. All Homesteads and/or and applications with this set of circumstances must submit signed legal and/or medical documentation to the Board of Review. Homeowner’s household income that does not exceed a proportioned amount over the stated guidelines for full exemption may be granted a fifty-percent (50%) partial exemption.
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Michigan Homeowner Assistance Fund (MIHAF)

The Homeowner Assistance Fund was established under section 3206 of the American Rescue Plan Act of 2021 (the ARP) to mitigate hardships associated with the coronavirus pandemic by providing funds to prevent homeowner mortgage delinquencies, defaults, foreclosure, loss of utilities or home energy services and displacements of homeowners experiencing financial hardship on or after January 21, 2020 or for those homeowners who experience a coronavirus pandemic financial hardship that began before January 21, 2020 but continued after that date.

Pre-Purchase / Credit Counseling

The successful completion of Home Buyer Education workshops is the stepping stone to ensuring your mortgage readiness. One-on-one sessions include a soft pull of the credit, and a review of income to calculate your Debt-to-income ratios. An action plan is tailored to guide the success of homeownership and sustainability.

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Who Is Eligible?

  • Homeowners with household incomes less than 150% of Area Median Income (AMI)
  • Homeowners who own and occupy the property as their primary residence
  • Homeowners must have and explain a financial hardship directly related to COVID-19 on or after January 21, 2020


Up to $25,000 Grant Per Household to Pay:

  • Delinquent mortgage/housing expenses, including property tax and insurance escrow shortages
  • Delinquent land contract payments, mobile home consumer loan payments or mobile home park lot payments
  • Delinquent property taxes
  • Delinquent condominium/homeowners’ association fees
  • Delinquent homeowner’s insurance,
  • Delinquent utilities, gas, electric, water, sewer
  • Delinquent internet broadband services

Loan Firm's Scam May Cost Home

Beware of any company requiring a payment before services are performed.
How to avoid Loan Modification Scams
If you are considering working with a loan modification company to avoid foreclosure, here are some tips from the Michigan Attorney General’s office to avoid being scammed:
  • Don’t sign any documents without reading them first. 
  • Don’t transfer title or sell your home to the foreclosure rescuer. 
  •  Don’t pay money to a foreclosure rescuer before any work has been done.    
  • This is illegal in Michigan under the Credit Services Protection Act. 
  • Don’t ignore letters from your lender/loan servicer.  
  • Don’t pay your mortgage payment to someone other than your lender. 
  • Do contact HUD at 800-569-4287 or the Michigan State Housing Development Authority at 866-946-7432 for a referral to a housing counselor near you. 
REPORT scammers to the Attorney General’s consumer protection division at 877-765-8388.


Yes, U-SNAP-BAC helps homeowners in jeopardy of losing their homes to foreclosure. We have certified counselors available to assist you, it’s not too late! We help homeowners via face-to-face counseling in order to set up a workout plan to prevent foreclosure before it happens.
Unfortunately, there is currently no financial assistance with foreclosure prevention available however we have been successful with helping homeowners work out strategies with their mortgage companies that requires no additional payments.

In order to contact our foreclosure prevention counselor, please email questions or concerns to the following email [email protected].

Yes, there are group sessions you can attend to get information about foreclosure prevention. Quarterly the U-SNAP-BAC holds large group meetings tailored towards giving homeowners tools to prevent foreclosure. For upcoming workshops, send inquires to the following email [email protected].

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