1. Learn about this resource.
DC homeowners can access free foreclosure prevention counseling to get help if they’re worried about paying their mortgage, are behind on their mortgage payments, or are in the process of foreclosure. A counselor will help you assess your financial situation, consider alternatives to foreclosure, and apply for assistance. Counselors may also connect you to legal assistance if your lender has already started the foreclosure process or if they identify loan fraud or predatory lending—lending that is unfair or abusive. You may receive up to five hours of free legal assistance.
This program is called the Foreclosure Prevention Program and is offered by the Department of Insurance, Securities and Banking, in partnership with Housing Counseling Services, a local nonprofit.
2. Check if you are eligible.
You are eligible if you own a residential property in the District.
prevent foreclosure on your home?
DO YOU WANT TO
4. Gather more information.
What happens after I sign-up?
You will attend a Foreclosure Prevention Clinic. Clinics are held online weekly.
After the clinic, you may meet with a housing counselor for more assistance. Be ready to talk about why you are having trouble making your payments, what you’re doing to resolve the issue, and details about your financial situation.
The housing counselor may ask you to gather documents to help them understand your financial situation and the current status of your mortgage. They’ll let you know what they need.
The housing counselor will also arrange up to five hours of free legal services for you if needed.
Are there any additional requirements I should know about?
Who should I contact if I have questions?
I still need help paying my mortgage. What should I do?
You can find information about other resources that might help on our mortgage resources page.
Frequently Asked Questions
What is foreclosure?
You’re told not to contact your lender, lawyer, or housing counselor.
You’re asked to pay for services before you receive them.
The person or business guarantees it will stop foreclosure.
The person or business guarantees you won’t lose your home.
You’re asked to sign over the title to your home or to sign other documents you don’t understand.
You’re instructed to send your payment to someone other than your lender or servicer.
The person or business offers to do a “forensic audit.”
You’re told to stop paying your mortgage.
The person or business says they’re affiliated with the government or uses a logo that looks like a government seal but is slightly different.
The person or business offers to lease your home to you with a promise to let you buy it back later.
Do all eligible applicants receive counseling?
This resource is provided by:
Keywords: foreclose, displace, legal aid, housing assistance, lender, bank, homeowner rights, mortgage assistance, scam, eviction court, keep my home
This page was last updated February 2021.