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Mortgage Foreclosure Prevention

Home-ownership preservation is a top priority, and we want to assist homeowners in preventing foreclosure. We hope that the information found here will increase your knowledge of the mortgage foreclosure process. We want homeowners to know that there are options if they find themselves in foreclosure. Help is available. To find a housing counselor near you, please click here for a list of local agencies. 


Preliminary Mortgage Relief Settlement Guide

Have you been through a foreclosure or are struggling with a mortgage now? The National Mortgage Settlement will offer various forms of relief for distressed families who qualify. This preliminary guide offers information on the different types of relief available and who is eligible to apply for help. Visit

Michigan Conference on Affordable Housing panel presentation “Tough Choices: Assisting Homeowners with a Dignified Exit Strategy”

Informational Packet (pdf)

This packet from Katherine Grant, former Program Coordinator of the Mortgage Foreclosure Intervention Program at Michigan State University Extension, contains information on budgeting, affordable housing options, options when facing foreclosure, and more.

Update on Michigan Mortgage Foreclosure Laws

Recent changes were made to Michigan's mortgage foreclosure laws for principal residences . The flyer below explains all of the major changes to the law, including the rights and responsibilities of both the homeowner and the mortgage company.

Under the new law, when a homeowner is facing foreclosure, the mortgage company must provide written notice via both first class and certified mail to the homeowner informing them of their rights and the opportunity to avoid foreclosure. The mortgage company must also provide the opportunity to modify the mortgage or implement loss mitigation actions.

They must also include a list of HUD or MSHDA certified housing counselors who can help homeowners create an action plan and develop a strategy for their home. If the homeowner requests a meeting, foreclosure procedures can not begin until 90 days after the written notice was sent to the homeowner.

Please read the full details of all changes on the document below. If you have additional questions or would like to schedule an appointment with a HUD and MSDHA certified housing counselor, please call 734-222-9595.

 Michigan's New Foreclosure Laws Fact Sheet



Beyond Foreclosure: Facts, Steps and Solutions
An informational video highlighting resources available to Washtenaw County during and after the foreclosure process.

Housing Access for Washtenaw County (pdf)

Know Your Options: A Mortgage Foreclosure Prevention Resource Guide from Fannie Mae

Out of County Referrals for Foreclosure Prevention

Options for Saving Your Home - Loss Mitigation

Options to Prevent Foreclosure - When Your Home is no Longer Affordable

Sheriff's Sale

Post Foreclosure/Redemption Rights (pdf)


Warning Signs of a Predatory Lender

The Washtenaw County Treasurer's office works in partnership with the following agencies on home-ownership retention and neighborhood preservation.

                                                Washtenaw County MSU-Extension Office             Housing Bureau for Seniors

Legal Services of South Central Michigan

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