Foreclosure Counseling

PROGRAMS

Foreclosure Counseling

The homeowner preservation counseling provided by Southwest Solutions is recognized as one of the leading programs of its kind in the Detroit area because of its effectiveness in helping homeowners avoid foreclosure and keep their homes. Our agency is HUD-approved and our professional counselors are MSHDA-certified and NeighborWorks-trained and certified.

We serve homeowners throughout the metro Detroit and tri-county area. We also have Spanish/English bilingual counselors, and our services are free of charge. Our counselors work with homeowners facing financial hardship to submit the necessary documents to obtain property tax or mortgage default assistance. These arrangements benefit not only the homeowners, but lenders and the neighborhoods too, because they preserve equity and property values.

Property Tax and Mortgage Default Services

Make sure you understand how property taxes work so you can stay in your home! If your home has delinquent property taxes, you may be at risk of foreclosure. If you are three (3) years behind on your property taxes, the Wayne County Treasurer can take your home through tax foreclosure. Our professional counselors have strategies that can help you to avoid this.

If you are a low-income Detroit resident who is struggling to pay current year and/or back property taxes, please attend one of our walk-in workshops. Our walk-in property tax workshops take place on the first Friday of every month from 10AM-2PM at the Ford Resource and Engagement Center, 2826 Bagley Detroit, MI 48216. Please see this flyer that includes a list of documents that you need to bring for us to better assist you. Sign-up for a walk-in property tax workshop here or contact Alex via email or 313-297-0089 for more information on our property tax clinics. 

If you are behind on your property taxes and/or mortgage payments and would like to apply for assistance through the Step Forward Michigan program, download this document: Step Forward Michigan Intake Packet.

Once you have completed your intake packet, you should:

Mail it or deliver it yourself to:
Foreclosure Intake Specialist
2835 Bagley, Suite 800, Detroit, MI 48216

Or email it to:
Alex Makohn

We are required by our funders to collect all this information, so while it may seem overwhelming at first, the materials you provide will allow us to better understand your current situation and work more efficiently with your lender.

Other Services

We can often help you keep your home. But even when Southwest Economic Solutions cannot prevent the foreclosure, our counselors can assist you in many other ways, including helping you to find affordable housing and build a better financial future through our financial capabilities curriculum.

Financial capability is provided through our Center for Working Families, by our Financial Coach, Kathy Ralston, a MSHDA-certified financial coach. Experts strongly recommend financial coaching, especially for homeowners, because of its proven success in helping families manage and protect their homes.

Are you a Detroit Homeowner? The Detroit Homeowner Preservation Workshop highlights strategies and programs that can help residents preserve and maintain their homes and, most importantly, avoid foreclosure. Our unique and comprehensive workshop explores what being a homeowner in Detroit involves. Join us to learn more about property tax programs, home repair programs and financial management. Sign up here to attend our next workshop.

RESULTS

We provided foreclosure mitigation counseling to 274 families in 2014 and helped keep 129 in their homes directly and/or through referrals

Our success rate far exceeds the national average

Good, affordable housing available for families whose mortgages cannot be renegotiated
40% of those we counsel for foreclosure are also referred to our Center for Working Families
Research from NeighborWorks America shows that homeowners who receive credit counseling are 60 percent more likely to avoid foreclosure than those who are not counseled
Participated in Freddie Mac’s national Borrower Help Network and partnered with Fannie Mae to provide expert foreclosure counseling to its distressed borrowers in Michigan
The Skillman Foundation calls our services “by far, the best and most effective foreclosure prevention program”

CONTACT:

Southwest Economic Solutions is located at the Welcome Center at 2835 Bagley, Suite 800, Detroit, MI  48216. To learn more or schedule an appointment, call us at 313.841.9641 or email us.

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