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´╗┐Housing Counseling

Saginaw CAC's Housing Counseling program is HUD approved and Michigan State Housing Development Authority (MHSDA) certified. Housing and credit counseling is provided to any individual or family threatened with mortgage foreclosure or rental evictions, and to persons seeking to become homeowners. We provide loan work-out sessions with lenders, assistance upon the completion of a work-out package, and information about mortgage refinance options and foreclosure steps and options.
Saginaw CAC offers several options for foreclosure prevention:

Mortgage Default and Delinquency Counseling

  • If you are behind on your mortgage payments. our counselors can help you get back on track.

Eligibility criteria are:

  • Saginaw County Resident

To apply for service, bring:

  • Picture ID

Financial Management Education

  • Educational support designed to assist you in addressing financial problems or barriers that get in the way of your goals

Eligibility criteria are:

  • Income at, or below, of ? federal poverty guideline. CLICK HERE to see guideline.
  • Saginaw County Resident

To apply for service, bring:

  • Picture ID
  • Proof of income

Foreclosure Prevention

  • Counseling delivered to eligible home owning families for the purpose of saving their home from foreclosure

    Saginaw CAC's Housing Counseling program does the following:
    • Loan work-out sessions with lenders
    • Assistance with completion of a work-out package
    • Supplies information about mortgage refinance options and foreclosure steps and options

Eligibility criteria are:

  • There is no income limit for this service
  • Saginaw County Resident

Bring the following to the office for your loan workout session:

  • Completed application form
  • Pay stubs for income verification
  • W-2 forms from the previous year
  • Completed budget
  • Hardship letter that explains your situation
  • Two months of bank statements

For further information or assistance, call 989-753-7741 ext. 217 or 219 or
CLICK HERE to email Housing Counseling