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Trouble Making Mortgage Payments

Help may be available to homeowners who are worried about making a mortgage payment. You have options including the ability to:

Contact a Certified Counseling Agency. Counseling Agencies may be able to provide free advice and guidance including the ability to speak with a foreclosure prevention advisor. One way to find a counseling agency is to visit the Minnesota Homeownership Center’s website. The Minnesota Homeownership Center is a separate, non-profit organization.

Your Loan Servicer May Have Options. This is the same company to which you make your monthly payments. Ask if the mortgage loan servicer has any assistance for homeowners.

  • If you are unsure which company services your mortgage loan, you can visit the Consumer Financial Protection Bureau’s website. That website has an online tool that can help you determine your mortgage loan company.
  • If you have a first mortgage loan with Minnesota Housing, your loan is serviced by either U.S. Bank or Amerinat.

Minnesota Housing does not intend for these suggestions to be construed as legal advice. Before you take any action, you may wish to consult with an attorney and/or financial advisor.

In connection with Single Family Division loan programs, Minnesota Housing does not make or arrange loans. It is neither an originator nor creditor and is not affiliated with any Lender. The terms of any mortgage finance transactions conducted in connection with these programs, including important information such as loan fees, the annual percentage rate (APR), repayment conditions, disclosures, and any other materials which are required to be provided to the consumer are the responsibility of the Lender.