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Foreclosure Resources

The following is a list of agencies, agency contact information, and the services each agency provides for foreclosure prevention and intervention.


562 East Main Street
Columbus, Ohio 43215
Phone: (614) 221-8889

  • Mortgage Assistance Program
    • To qualify, the homeowner must earn 50% or less of the area's median income for a family of their size. CHP has provided $79,000 in mortgage assistance to about 46 households.
  • Counseling
    • Post-Purchase and Budget Counseling.
    • Mortgage Default Counseling - goal is to provide families with the information and tools necessary to maintain their home by identifying the cause of default or delinquency, identifying intervention strategies, and reviewing budgeting skills. Agency will work with the bank and other creditors to try to save the home.
    • Reverse Mortgage Counseling - for individuals over 62. See details on last page.
  • Classes
    • Home Maintenance & Repair
    • Financial Fitness
    • Homebuyer Education

IMPACT Community Action

700 Bryden Road
Columbus, OH 43215
Phone: (614) 252-2799

  • Mortgage Assistance Program
    • FEMA program offered by the Lutheran Social Services will pay the mortgage payment of customers who are no more than one payment behind on their mortgage, are at or below 125% poverty guideline, have a verifiable reason why they were not able to pay their mortgage, and have not used the program within the last three program years.
  • Programs
    • Summer Cooling is a program that runs June 1-August 21 and is available to individuals who are at or below 150% poverty level. Individuals over 60 years of age and at or below 150% of poverty automatically qualify for the program that will make a payment on their electric bill and/or give a voucher for an air conditioning unit if the individual does not have air-conditioning. People under 60 must prove that they have some type of respiratory disease in order to qualify.
    • The Emergency Winter Heat program assists people who are at or below 150% of poverty faced with disconnection of their electric or gas.

Columbus Urban League

Housing Services Department
788 Mount Vernon Avenue
Columbus, Ohio 43203
Phone: (614) 257-6300 ext 300 / Fax: (614) 257-6316

  • Counseling
    • Provides counseling, information and referrals regarding homeownership, housing discrimination and rental housing relations
  • Classes
    • Conducts education and outreach activities related to the rights and responsibilities of home seekers and housing providers
  • Advocacy
    • Conducts advocacy and networking activities within local, state and national housing groups, financial institutions, housing providers and others in the housing industry, regarding homeownership issues such as: predatory mortgage lending; discrimination; foreclosures; and other housing related topics.
  • Research
    • Research and develops the annual report on the mortgage lending activities of the major financial institutions Home Mortgage Disclosure Act (HMDA) data.

Consumer Credit Counseling of Columbus

4500 East Broad Street
Columbus, Ohio 43213
Phone: (614) 552-2222
(800) 355-2227
Fax: (614) 552-4800

  • Counseling
    • Reverse mortgage (over 62) - determine whether taking out a reverse mortgage would have financial benefits including foreclosure prevention.
    • Pre-Purchase - learn about home buying process and homeowner responsibilities.
    • Post-Purchase - helps new homeowners avoid foreclosure after purchase.
    • Mortgage Default Counseling - goal is to provide families with the information and tools necessary to maintain their home by identifying the cause of default or delinquency, identifying intervention strategies, and reviewing budgeting skills. Agency will work with the bank and other creditors to try to save the home.
    • Debt Management Program - helps individuals restructure their unsecured debts (credit cards, medical bills) and get payments reduced so more money can be directed to the mortgage payment.

HandsOn Central Ohio

195 North Grant Avenue
Columbus, Ohio 43215
Phone: Information (614) 221-2255
Administrative (614) 221-6766

HandsOn Central Ohio is an information referral service that connects Central Ohio residents with basic services, such as emergency food, housing, clothing and health care. HandsOn Central Ohio can direct individuals facing foreclosure to local agencies which may help with mortgage payments or provide counseling services. The agency's call center provides referrals 24 hours a day, seven days a week.

Franklin County Treasurer

373 South High Street 17th Floor
Columbus, Ohio 43215
Phone: (614) 525-3438
Fax: (614) 525-7167

Property taxes can contribute to foreclosure, particularly when the taxpayer is misinformed of the amount.

  • Payment Options to Help Budget Current Taxes
    • Direct Debit - allows you to authorize the Treasurer to debit your checking or savings account to prepay your real estate taxes automatically on a monthly, annual, or semi-annual basis. NEW!! If you choose the monthly option, interest earned will be credited to your next tax.
    • Budget Pay - Lets you make monthly payments by check or cash to better budget for your next tax bill. Each month you decide how much to pay!
    • E-Check - Pay online without fees.
    • Credit Card: Pay by credit card at the above link or by calling 877-278-2270; however a 2.75% fee will be charged by the transaction processing company.
  • Payment Plans to Pay Delinquent Taxes
    • Stop penalties and interest from accruing! Enter into a payment plan whereby you can have up to 60 months to pay your delinquent taxes as well as your current taxes in convenient monthly installments.

Homes on the Hill CDC

3659 Soldano Blvd
Columbus, Ohio 43228
Phone: (614) 275-4663 ext. 100 (general) or ext. 109 (foreclosure prevention)

Homes on the Hill CDC is a HUD approved housing counseling agency serving Central Ohio homeowners in foreclosure prevention efforts. We conduct twice monthly Foreclosure Orientations as well as one-on-one appointments with borrowers who are delinquent or may become delinquent on their mortgage. Homes on the Hill is a participating agency for homeowners looking to apply for Ohio's Hardest Hit Fund program, Save the Dream Ohio.

We are located in the Consumer Square West shopping center at the corner of W. Broad St. and Wilson Road. Our address is 3659 Soldano Blvd, Columbus, OH 43228.

Homes on the Hill offers the following HUD approved housing counseling services:

  • Pre-Purchase/Home Buying Education including Credit Counseling
  • Resolving or Preventing Mortgage Delinquency or Default
  • Post-Purchase and budget counseling including Home Maintenance
  • Locating, Securing, or Maintaining Residence in


Phone: (800) 569-4287

Approved housing counselor listing.

Job & Family Services PRC

Franklin County Department of Job & Family Services
Phone: (614) 525-4000
Fax: (614) 525-6451
Call for the office nearest you.

  • Mortgage Assistance Program
    • Prevention, Retention, and Contingency program provides one time financial assistance to aid for emergency situations. Applicants must have a minor child, be at or below 165% of poverty, and have 30 days worth of income.
      • Individuals who qualify for PRC are eligible for up to $1,500 in financial assistance.
      • The financial assistance can be used toward a person's mortgage as long as the individual has not used PRC toward a rental or any other housing expense in the past two years.
      • The financial assistance can not be used toward a down payment

Legal Aid Society of Columbus

1108 City Park Ave.
Columbus, Ohio 43206
Phone: (614) 241-2001

May provide assistance to foreclosure incidents that involve predatory lending. Legal Aid also offers some literature about foreclosure.

Reverse Mortgage

A "reverse" mortgage is a loan against a person's home that they do not pay back for as long as they live in the home. To be eligible for most reverse mortgages, you must own your home and be 62 years or age or older to qualify. The mortgage allows the homeowner to turn the value of their home into cash. They loan need not be repaid until the homeowner moves from the home or passes away. The Columbus Housing Partnership and Consumer Credit Counseling of Columbus can help individuals determine if a reverse mortgage is right for them before these individuals contact lenders.

There are several Columbus lenders who offer reverse mortgages including: Mortgage Corporation of Ohio, Tina Kuba: (614) 431-3499; Security 1, Keith Turner: (614) 785-6415; Financial Freedom, Bill Foley: (614) 336-8771.

Veterans Service Commission

250 West Broad Street
Columbus, Ohio 43215
Phone: (614) 525-2500
Fax: (614) 525-2505

  • Mortgage Assistance Program
    • Provides mortgage assistance to veterans in an amount determined by the Commission. It is most beneficial for veterans to apply prior to actual foreclosure action as attorney fees are not eligible for funding. No requirements other than the applicant is a veteran.