Steps to Financial Fitness

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