Guidance for Minnesota Homeowners Facing Mortgage Challenges  
Changes in income, health, or family circumstances can make mortgage payments difficult. Seeking help early gives you time to understand your options.

Start With These Steps

Contact Your Mortgage Servicer
Call the company that receives your mortgage payments. Explain your situation and ask about assistance, application requirements, and deadlines.

Connect With a Housing Counselor
A HUD-approved housing counselor can help you understand your options and communicate with your servicer. Foreclosure prevention counseling through t

Organize Your Documents
Keep mortgage statements, notices, income records, and notes from conversations together. Read correspondence and respond promptly.

Understand Your Options
Depending on your loan and circumstances, your servicer may offer a repayment plan, temporary forbearance, or loan modification. Approval varies. If keeping your home is no longer practical, you may consider selling. A short sale requires lender approval.

How Pathways Home Group Can Help
Considering a sale? We can help you understand your home’s potential market value and explore listing options while you work with your servicer and qualified advisors.

Be Cautious of Guarantees
Be wary of anyone promising to stop foreclosure, asking you to transfer ownership, or telling you to stop communicating with your servicer.

Take Your Next Step

We’re on your path. Your timeline. No pressure.


Please Note!
General information only—not legal, tax, or mortgage advice. Contacting a realtor or listing your home does not stop foreclosure or extend deadlines. Seek qualified legal help promptly if you receive foreclosure notices or legal papers.