Get help with a mortgage in Dane County including foreclosure prevention
If you are falling behind on your mortgage in Dane County, there are still steps you can take top get help. Struggling homeowners can get help from local HUD counseling, court mediation, targeted financial help, free legal services help, and even tax relief. Find details below on where to get help with a mortgage in Dane County WI, including contact information.
Free legal and HUD counseling services for homeowners
Start with a HUD approved housing counselor . In Madison, Movin’ Out provides HUD certified counseling from its office on 902 Royster Oaks Dr #105, Madison, WI 53714. Counselors can help you review a forbearance or modification, pull together a loss mitigation packet, and map out a budget that fits what your mortgage servicer or lender will accept. Contact Movin’ Out at 608-251-4446.
- a foreclosure case has started, ask for
Dane County’s Foreclosure Mediation Program
right away. The Circuit Court partners with Metro Milwaukee Mediation Services to start a discussion with your servicer about options like a repayment plan, mortgage loan modification, or even the best way to move to a new place if it is not possible to get back on track. Mediation is voluntary but widely used Madison WI and other areas. Apply as early as possible after you are served with more information here on how foreclosure mediation in Dane County helps . Free legal aid also helps very low-income families in Dane County. You may also qualify for free civil legal help. Legal Action of Wisconsin’s housing team as well as the Consumer Law Clinic (website here https://law.wisc.edu/eji/clc ) takes homeowner cases in the Madison area, even deal with fraud and misrepresentation from a mortgage lender. Attorneys can review the summons, timelines, and defenses, and may appear with you in court and even help with applications to loan modifications .
Greenpath Financial Wellness
, based at 725 Heartland Trl, Madison, WI 53717-1966, also offers free or low cost financial counseling on a broad range of subjects. The non-profit is HUD approved too. Homeowners can get foreclosure prevention services, help in resolving a mortgage delinquency and other housing support. Call (833) 838-9058
Where to get financial help in Dane County WI with a mortgage
People often ask about financial help, such as ESG grants or the Wisconsin Emergency Assistance (EA) program for mortgage arrears. ESG and EA are federal or state homelessness program and it can, in some cases, pay a home loan. Dane County grantees that use ESG can help with activities like utilities, rent and mortgage. Human Services runs it, and other government benefits in Dane County , from 1202 Northport Dr., Madison, WI 53704, Call (608) 242-6200
- state funded program
also sometimes covers a one time mortgage catch up when it prevents homelessness due to a foreclosure. The
Community Action Coalition For South Central Wisconsin
, runs the Critical Assistance program, which allows a grantee to make a single payment toward principal and interest that are past due, if you can show you can afford future mortgage payments. Call 608-237-1255 or look here for other help from
Community Action in Wisconsin
. Homeowners facing foreclosure from taxes can get help too. In Madison you can pay the current year bill in four installments that are due on January 31, March 31, May 31, and July 31. Older Dane County WI homeowners may also look at the state Property Tax Deferral Loan Program administered by WHEDA, which lets eligible seniors convert equity to pay the tax, with repayment when the home is sold or the owner moves.