Foreclosure Prevention

Save Your HomeFamily in front of house with baby.

Are you struggling to make your mortgage payment? 64 percent of homeowners who receive housing counseling services are able to avoid foreclosure. Waiting limits your options. Call today to talk with a trusted, local, nonprofit housing counselor today.

How an LSS Housing Counselor can help:

  • Provide free, confidential and nonjudgmental assistance
  • Review your current finances and give you a clear idea of your options and eligibility for a mortgage modification
  • Work with you to submit paperwork to your mortgage company to apply for a mortgage modification
  • Be sure you are taking advantage of available government programs to save your home
  • Help you postpone your sheriff's sale so you have more time to work out a solution with your lender
  • Answer questions and assist you throughout the process

Contact Us & Get Started

If you would like to learn more about the services we provide or how to start receiving support, please call 888.577.2227, email us or complete our short contact form.

Our free and confidential services are available nationwide by phone. For in-person appointments view our office locations to find a location near you!

We have counselors who are fluent in English, Spanish and Hmong. Interpretation, Telecommunications Device for the Deaf (TDD), and TeleTYpe (TYY) services are available as needed.

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Phone, Virtual or In-Person Appointment

Call 888.577.2227 to schedule a phone or virtual appointment at a time convenient for you. Or set up an in-person appointment at one of our Minnesota or Wisconsin locations.

Please note: to limit the spread of the coronavirus, we are currently offering phone appointments. We will reintroduce in-person appointments at a later date.

Please note: we do not provide retirement planning services or investment advice.

What do I need for counseling?

In order for your financial counseling session to be most productive, it is helpful to have the following information available:

  • Your monthly income
  • Typical monthly expenses
  • Statements from your creditors.
  • Any other information you believe would be helpful in understanding your financial situation.

Don't have everything? Don't worry. Call us and we help guide you through the process.

Related Posts from our Sense & Centsibility Blog

My Sheriff's Sale Just Happened. What Are My Options Now?

This question comes up on a fairly regular basis in Minnesota. It goes without saying that it is best to address housing issues as early as possible and that the options are greatly limited once the sale date has happened.

5 Ways to Spot a Loan Modification Scam

Many homeowners face a seemingly never-ending sea of document requests and resubmitting paperwork to their lenders. There continues to be an increase in mail and telephone solicitations happening as well. Many of these solicitors are looking for ways to get money from you and do not have your best interest in mind.