Foreclosure Prevention

St. Ambrose Housing Aid Center is a non-profit organization that has worked for more than 40 years to create and maintain equal housing opportunities and to encourage and support strong and diverse neighborhoods. Early on St. Ambrose leadership identified the need for mortgage default and delinquency counseling and remains committed to foreclosure prevention today. The staff of the Foreclosure Prevention Division is extensively trained and has several years of experience helping homeowners facing the threat of foreclosure.

Often, through no fault of their own, people fall behind on their mortgage payments. Sudden changes, such as loss of a job, illness, accidents, divorce or the death of a family member can create financial problems that lead to difficulty making timely mortgage payments. St. Ambrose provides free counseling to homeowners facing the threat of foreclosure and also works closely with the Legal Department to ensure that all potential issues preventing sustainable homeownership are addressed.

Research shows that homeowners who work with a housing counselor are able to obtain more sustainable solutions than those that do not. If your mortgage payments are behind or you think you may fall behind soon, don't delay, call St. Ambrose for a counselor.

Scam alert!

Maryland law is designed to protect homeowners from unscrupulous individuals wishing to take advantage of those in danger of losing their homes. 

  • Beware of any person or organization asking you to pay up-front fees in exchange for providing mortgage counseling services or modification of a delinquent loan. Do not pay—walk away.
  • Do not believe guarantees. A reputable counselor will not guarantee that they can stop the foreclosure process, regardless of your circumstances. Working with a legitimate counselor can certainly increase your chances of keeping your home—but be wary of people who promise a sure thing. Again, first get the details of your transaction and any related promises in writing before you enter into an agreement.
  • Beware of anyone who says they can "save" your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage lender, or with your attorney.

For more information visit: Loan Modification Scam Alert

Governor O'Malley talks about home foreclosure scams and encourages Marylanders to contact the free HOPE hotline at 1-877-462-7555 or mdhope.org.

What to expect when you call for a counselor

  • You will speak to our intake coordinator who will mail you a packet you will need to complete in order to speak to a counselor. If you prefer, you can start the intake process online.
  • The packet may be similar to documentation you have already completed for your mortgage servicer, but it's important that you complete the packet for us to assist you. We will also request documentation to prove income and residency.
  • Once you complete the package and send it back to our office, our intake coordinator will review some information with you and a counselor will call you within a week to schedule an appointment either in-person or on the phone.
  • During your appointment we will discuss your situation, review your budget and based on your situation we will develop an action plan with tasks for both you and your counselor.

Don't Delay

Timing is very important when you are facing the risk of foreclosure. Please contact your mortgage company to let them know you would like help and contact St. Ambrose today!

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