Resource Library
Foreclosure
Counseling
Overview
Facing foreclosure is scary. If you’re behind on your mortgage or struggling to keep up with your payments, we can help you with free, unbiased, confidential services to get things back on track. You have options! Over 50% of our participants that worked with one of our Certified Foreclosure Counselors were able to stay in their homes with their current mortgage or were able to modify the mortgage to support future success.
The first step is an initial screening with your counselor to assess your situation, and they will work with you to develop an appropriate action plan. During the initial screening, you will talk through topics like:
- The foreclosure process in Minnesota
- Your rights and obligations as a homeowner
- Fair Housing and scam avoidance
- Working with home-owners associations, foreclosing attorneys, and other agencies
Getting Started
First, please complete the online application link found here. Then, please complete the supplemental information packet found here. Once all required documents are received, a counselor will contact you to make an appointment.
If returning by mail or at our office dropbox:
Attn: Homeownership
Scott County CDA
323 Naumkeag St
Shakopee, MN 55379
You may also email or fax this information to us:
cda-info@scottcda.org
fax: 952-496-2852
Frequently Asked Questions
First, please complete the online application link found here.
Then, please complete the supplemental information packet found here. You will also need to include the following documents:
- Proof of household income for all members for the past 30 days, including:
- Benefit statements or letters documenting your social security, disability, pension, and/or unemployment payments
- If self-employed, provide profit and loss statements for the most recent quarter
- If you receive rental income, provide the Lease Agreement
- If you receive child support and/or spousal support, provide the divorce decree
- Most recent tax returns with all schedules
- Two most recent consecutive months of bank statements for all accounts, including all pages
- Most recent Mortgage Statement and any letters from your lender(s) and foreclosure attorney
- Recent Utility Bill(s)
Proof of household income for all members should include the following:
- Last 30 days’ proof of household income (paystubs, benefit statements)
- Benefit statement/letter if you receive social security, disability, pension, and/or unemployment
- If self-employed, profit and loss statement for the most recent quarter
- Most recent tax returns with all schedules
- Lease agreement if you received rental income
- Divorce decree if you receive child support and/or spousal support
For some clients, the initial action plan and periodic check-ins are all that are needed to resolve the circumstances. For others, in-depth counseling is required. The counselor will work with you to discuss a timeframe and schedule follow-up appointments as necessary.
Related Topics
Mortgage Programs