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Foreclosure Resources

Here are some of the agencies designed to prevent foreclosure or help Franklin County residents facing foreclosure.


562 East Main Street
Columbus, OH 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. Homeport has provided $79,000 in mortgage assistance to about 46 households.
  • Counseling
    • Post-Purchase and Budget Counseling.
    • Mortgage Default Counseling provides 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. The agency will work with banks and other creditors to try to save the home.
    • Reverse Mortgage Counseling is for individuals over 62. 
  • Classes
    • Home Maintenance & Repair
    • Financial Fitness
    • Homebuyer Education

IMPACT Community Action

700 Bryden Road
Columbus, OH 43215

  • Mortgage Assistance Program
    • FEMA program offered by 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 electricity or gas.

Columbus Urban League

Housing Services Department
788 Mount Vernon Avenue
Columbus, OH 43203
614-257-6300, ext. 300

  • 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. Issues covered include predatory mortgage lending, discrimination, foreclosures, and other housing related topics.
  • Research
    • Issues an annual report on the mortgage lending activities of major financial institutions based on Home Mortgage Disclosure Act data.

Consumer Credit Counseling of Columbus

4500 East Broad Street
Columbus, OH 43213
614-552-2222 or 800-355-2227

  • Counseling
    • Reverse Mortgage for people over 62 might have financial benefits including foreclosure prevention.
    • Pre-Purchase helps people learn about the home-buying process and homeowner responsibilities.
    • Post-Purchase helps new homeowners avoid foreclosure after purchase.
    • Mortgage Default Counseling provides 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. The 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.

LSS 211 Central Ohio

Phone: 211

LSS 211 (formerly 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. The service can direct individuals facing foreclosure to local agencies that can 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, OH 43215

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. 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 allows you to pay online without fees.
    • Credit Card payments can be made through our website or by calling 877-278-2270. (A 2.75% fee will be charged by the transaction processing company.)
  • Payment Plans to Pay Delinquent Taxes
    • Stop penalties and interest from accruing by entering into a payment plan that gives you up to 60 months to pay your delinquent taxes as well as your current taxes in convenient monthly installments.

Homes on the Hill
Community development corp.

3659 Soldano Blvd.
Columbus, OH 43228

Phone: 614-275-4663, ext. 109

Homes on the Hill, a HUD-approved housing counseling agency, conducts Foreclosure Orientations as well as one-on-one appointments with borrowers who are delinquent or may become delinquent on their mortgage. 

  • 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 


Phone: 800-569-4287

The U.S. Department of Housing and Urban Development offers a list of approved housing counselors in Ohio

Job & Family Services
EMERgency assistance

Phone: 614-525-4000 (call for the office closest to you)

  • Mortgage Assistance Program
    • The Prevention, Retention, and Contingency program (PRC) provides one-time financial assistance 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 cannot be used toward a down payment.

Legal Aid Society of Columbus

1108 City Park Avenue
Columbus, OH 43206

The Legal Aid Society might be able to help when foreclosure involves predatory lending. 

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. The mortgage allows borrowers to turn the value of their home into cash. The loan need not be repaid until the homeowner moves from the home, sells the home or passes away. Consumer Credit Counseling of Columbus can help individuals determine if a reverse mortgage is right for them before these individuals contact lenders.

Veterans Service Commission

250 West Broad Street
Columbus, OH 43215

  • 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.