The Making Home Affordable Program (MHA) ® is designed to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy. Depending on the situation, homeowners can lower their monthly mortgage payments; If homeownership is no longer affordable or desirable, there is a program that can provide a way out, avoiding foreclosure; There are also options for unemployed homeowners and homeowners who owe more than their homes are worth.

Provides a home loan guaranty benefit and other housing-related programs to help veterans buy, build, repair, retain, or adapt a home for their own personal occupancy. Veterans Affairs (VA) Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide more favorable terms to veterans. In most cases, the mortgage is low interest and no down payment or mortgage insurance payments required. Will provide mortgage counseling to participating veterans who are having difficulties with paying their mortgage or who may already be in default. Mortgage counselors will provide information concerning the foreclosure process and what the veteran's rights and responsibilities are in that situation. Will attempt to seek solutions with the lender to help the veteran keep the home and will take complaints from veterans against their mortgage provider.

Provides foreclosure counseling and financial assistance for those who qualify.

SEOLS provides advice and representation for tenants who live in private or subsidized housing. Our goal is to preserve and improve the quality of the tenant’s home. Legal services are provided in the following areas: - Evictions - Fair housing - Security deposits - Issues with the condition of rental properties - Section 8 Voucher terminations - Mortgage foreclosures - Tax foreclosures.

Provides one-on-one as well as group counseling sessions for people who want to purchase a home or who want to refinance their current mortgage. Will review and explain loan documents. Counseling is also available for people who have become delinquent on their mortgage payments or who fear they may become delinquent. This agency will work with lenders to negotiate payment arrangements.

Provides counseling services for mortgage delinquency or foreclosure problems. Sessions are held one-on-one or in groups. Agency provides housing counselors certified by the U.S. Department of Housing and Urban Development (HUD). Service includes developing a plan for reinstatement by lenders, modifying mortgage loan documents, negotiating agreements with lenders, and helping with finding mortgage relief programs.

Assists residents with housing issues through the following: * Fair Housing Project - Operates the Fair Housing Hotline in Trumbull County (call HelpLine to connect) and makes referrals to the Ohio Civil Rights Commission. Educates public officials, landlords, realtors, government, social service agencies, and the general public about fair housing laws. * Homeownership Project - Assists homeowners facing foreclosure with improving their financial situation and asserting rights in foreclosure proceedings. * Neighborhood Law Project - Promotes economic development in historically disadvantaged neighborhoods. Provides legal advocacy and supports grassroots efforts focused on social justice and racial equity. * Tenant Assistance Project - Assists low-income renters with maintaining their home, improving living conditions, and asserting rights in eviction proceedings. Also provides advocacy around right-to-counsel in eviction cases and sealing of past eviction cases.

Provides mortgage foreclosure counseling to help clients address their current or impending mortgage foreclosure situation. Advocates on behalf of the client with mortgage holders and other creditors. Provides information on budgeting and credit issues, available community resources, and options one might have when facing foreclosure.

A one-stop-shop designed to educate Ohioans about the most current housing information and resources HUD has to offer. The updated site has a number of helpful resources particularly important for Ohioans at risk for losing their homes.

Provides legal assistance which may include information, advice, or representation as well as online resources to help with the following issues: *Eviction *Grievance/Informal meeting (if you have rent-subsidized housing) *Lockouts by landlord without court order *Utility shutoff by landlord without court order *Retaliation by landlord *Concerns related to domestic violence *Discrimination based on protected classes (race, color, national origin, religion, sex, familial status, disability) *Lead poisoning issues *Mobile home tenant and owner issues *Foreclosures *Land contract issues *Eviction record sealings *Security Deposits *Conditions/Rent Escrow issues *Small Claims lawsuit by landlord

Provides foreclosure prevention counseling to individuals and families who have fallen behind with their mortgage payments. Counselors provide the information and tools necessary to resolve mortgage deliquency by identifying the cause of default or delinquency, intervention strategies, and options for resolving.

Provides home mortgage loan counseling services to those who are in danger of losing their home. Works with the lender to negotiate and restructure the loan in order to create better terms for the borrower. In some cases, agency will refinance the loan. Goal is to bring the interest rate down to a level where the borrower can make sustainable payments.

Homeless Outreach and Case Management, Rapid Re-housing, Emergency Assistance/Basic Needs, First Step Pregnancy Support, Limited transportation for Seniors, Social Work Counseling, HUD housing counseling including Foreclosure Prevention and Pre-purchase education, SSI/SSDI/SOAR Specialist, Prison Re-entry Case Management.

Default Counseling and Foreclosure Prevention. As a HUD certified counseling agency, we work with you and your lender to save your home. Home Buyers Workshops - We offer comprehensive housing seminars to prepare attendees for home ownership Homelessness Counseling and Rental Counseling to prevent homelessness Reverse Mortgage Counseling to explore the Home Equity Conversion Mortgage as a home equity option for seniors over 62 years of age.

Provides comprehensive services for current and potential homeowners, including first-time homebuyer programs, financial wellness counseling, down payment assistance, foreclosure prevention counseling.

Assists homeowners who are behind in their mortgage to remain in their homes and regain financial stability. Services vary based on the needs of the individual and/or family, but can include mediation, negotiation with lender, help accessing utility payment assistance programs, and financial counseling.

Homeless Outreach and Case Management, Rapid Re-housing, Emergency Assistance/Basic Needs, First Step Pregnancy Support, Limited transportation for Seniors, Social Work Counseling, HUD housing counseling including Foreclosure Prevention and Pre-purchase education, SSI/SSDI/SOAR Specialist, Prison Re-entry Case Management.

Offers an opportunity for homeowners with strong credit histories, who are having difficulty because of an adjustable rate mortgage reset, to refinance into a prime-rate FHA-insured mortgage.

Privides advice on housing issues that involves mortgage default, homebuyer education. This program also offers direct assistance with mortgage to prevent homelessness.

SEOLS provides advice and representation for tenants who live in private or subsidized housing. Our goal is to preserve and improve the quality of the tenant’s home. Legal services are provided in the following areas: - Evictions - Fair housing - Security deposits - Issues with the condition of rental properties - Section 8 Voucher terminations - Mortgage foreclosures - Tax foreclosures.

Homeless Outreach and Case Management, Rapid Re-housing, Emergency Assistance/Basic Needs, First Step Pregnancy Support, Limited transportation for Seniors, Social Work Counseling, HUD housing counseling including Foreclosure Prevention and Pre-purchase education, SSI/SSDI/SOAR Specialist, Prison Re-entry Case Management.

Self-directed guidance available to help distressed homeowners avoid foreclosure as well as negotiate an affordable monthly payment with their mortgage loan servicer. Individual counseling available on a limited basis. NHP is a HUD approved housing counseling agency.

Provides mortgage foreclosure counseling to help clients address their current or impending mortgage foreclosure situation. Advocates on behalf of the client with mortgage holders and other creditors. Provides information on budgeting and credit issues, available community resources, and options one might have when facing foreclosure.

Provides legal services to low-income residents of Montgomery, Greene, Preble, and Darke Counties. Legal Line provides advice in civil matters, consumer fraud and home repair scams; domestic violence, divorce, and child support; eviction, foreclosure, and other housing problems; health care access; predatory lending; Social Security/SSI; unemployment benefits; and welfare, Medicaid, and food stamps.

Provides advice and representation for those being evicted, foreclosed upon, locked out, having difficulty obtaining repairs from a landlord, or who have had utilities terminated. Advice and representation may also be available to those who wish to enforce special rules of subsidized housing, or those seeking assistance with land contract problems and housing discrimination matters. NOTE: Information on the Fall 2020 National Eviction Moratorium is available on the agency's website.