Treasurer's Office
Mortgage Foreclosure Prevention
Welcome to the Washtenaw County Treasurer's Mortgage Foreclosure Prevention website. Homeownership 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. Assistance is available. Whether you are in need of assistance with loan or foreclosure counseling or help getting out of a predatory loan, make your first call to 734-222-9595, or email mfpp@ewashtenaw.org.
Our staff is competent and caring. We work in partnership with many other community organizations, businesses and reputable resources. We can make appropriate referrals as needed.
Upcoming Mortgage and Tax Foreclosure Prevention Events
Step Forward Michigan Offering Assistance to Homeowners Struggling With Mortgage Payments
The Michigan Homeowner Assistance Nonprofit Housing Corporation (MHA) acting through Michigan State Housing Development Authority (MSHDA) has received federal funds from the U.S. Department of Treasury to help Michigan take a step forward through a comprehensive, statewide strategy that is aimed to help homeowners who are at high risk of default or foreclosure. Visit the link below to view the available programs, eligibility requirements, and how to apply.
https://www.stepforwardmichigan.org/
Michigan Conference on Affordable Housing panel presentation “Tough Choices: Assisting Homeowners with a Dignified Exit Strategy”
Informational Packet (pdf)
This packet from Katherine Grant, 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
On July 5, 2009, 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 or email mfpp@ewashtenaw.org.
Michigan's New Foreclosure Laws Fact Sheet
Advisory For Homeowners:
State Attorney General Files 18 Counts for Foreclosure Rescue Fraud
Make sure you are working with a reputable company if you are refinancing, working on a loan modification or purchasing a new home. It's illegal for a company to take money up front when negotiating on your behalf with your lender. Be informed of known scammers by reading this important notice!
If you paid Save My Home USA, Payment Doctors, or the Michigan Economic Reinstatement Program for services that were not provided, call the Attorney General's Consumer Protection Division at (877) 765-8388 for a refund.
Refund Information and Press Release
IMPORTANT NEWS - Do you have a mortgage with CitiFinancial, CitiMortgage, Ocwen or SPS? There may be extra workout options available exclusively through this office. Please call to speak to our Intake Specialist at 734-222-9595 or email mfpp@ewashtenaw.org.
FACING FORECLOSURE - WATCH THIS VIDEO
THEN TALK TO A REPUTABLE HOUSING COUNSELOR
AND NOT A CON ARTIST - Click Here
Beyond Foreclosure: Facts, Steps and Solutions
An informational video highlighting resources available to Washtenaw County during and after the foreclosure process.
Information & Help for Mortgage Foreclosure Prevention (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
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 homeownership retention and neighborhood preservation.
Washtenaw County MSU-Extension Office Housing Bureau for Seniors
Legal Services of South Central Michigan
Thank you for taking the time to visit our website. We want to work together to keep you in your home.
