Free foreclosure help in Kansas

Who to call first, by situation

• You are not behind yet but expect trouble

  Before you miss a payment

  Call your servicer and ask what hardship options exist, then talk to a HUD-approved housing counselor about your budget. If property taxes are part of the strain, see Kansas Department of Revenue: Homestead Refund FAQs to check whether you qualify for a Homestead, SAFESR or senior and disabled veteran refund in the next filing window.

• You are behind but have no court papers

  Within the first 120 days of missed payments

  Send your servicer a complete loss mitigation application with a housing counselor's help. Kansas Housing Resources Corporation: Kansas Homeowner Assistance Fund page confirms the state fund is closed, and links to the agency's list of counselors and legal services. If you have a second mortgage, watch for a right to cure notice, which gives you 20 days.

  K.S.A. 9-2234

• You were served with a summons and petition

  Right away; you have 21 days to answer

  Contact Kansas Legal Services: Foreclosure Prevention, which offers advice or representation to eligible homeowners threatened with foreclosure. If you do not qualify, use the Kansas Bar Association Lawyer Referral Service to find a private attorney. Kansas Judicial Council: Common Civil Forms has a free Answer with Defenses form if you must respond on your own.

  K.S.A. 60-212(a)

• A sheriff's sale date is set

  The same day you learn of it

  Call Kansas Legal Services: Foreclosure Prevention or a licensed attorney and your servicer on the same day. Ask the attorney about the sale confirmation hearing, bankruptcy, and how long your redemption period is. Confirm the sale date with the sheriff's office or the clerk of the district court.

• Your servicer or lender is not following the rules

  As soon as you have it in writing

  File a complaint with Kansas Office of the State Bank Commissioner: File a Complaint if the company is one it regulates, such as a residential mortgage lender or broker. It does not regulate national banks, federal savings banks or credit unions. Keep copies of every letter and note the date and name for every call.

• A rescue company or investor contacted you

  Before you sign or pay anything

  Read Kansas Attorney General: Your Home and Car (foreclosure section), which describes loan modification scams and redemption rights scams, and report the company to the Attorney General. In Kansas, a company that charges to negotiate your debts needs a license from the State Bank Commissioner. Never sign over your redemption rights or deed without advice from legal aid or an attorney.

  K.S.A. 50-1118

Official and nonprofit help in Kansas

None of these charge homeowners for foreclosure help.

• Kansas Housing Resources Corporation: Kansas Homeowner Assistance Fund page

  The state housing agency's page on the closed KHAF program, with a link to its list of housing counselors, legal services and the Kansas foreclosure timeline.

• Kansas Attorney General: Your Home and Car (foreclosure section)

  Explains redemption rights, mortgage modification scams and redemption rights scams, and links to the consumer complaint form.

  (800) 432-2310

• Kansas Legal Services: Foreclosure Prevention

  Statewide legal aid that offers free advice or representation to eligible homeowners threatened with foreclosure.

  316-267-3975

• Kansas Judicial Council: Common Civil Forms

  Free court forms from the state Judicial Council, including an Answer with Defenses and a Notice of Bankruptcy, which the Kansas courts point homeowners to for responding to a foreclosure case.

• Kansas Office of the State Bank Commissioner: File a Complaint

  Takes complaints about the mortgage lenders, brokers and other finance companies it regulates.

  785-380-3939

• Kansas Bar Association Lawyer Referral Service

  Refers you to a private Kansas lawyer who handles your type of case; the referral is free but the lawyer charges fees.

  785-861-8826

• Kansas Department of Revenue: Homestead Refund FAQs

  Explains the Homestead, SAFESR and senior or disabled veteran property tax refunds and who qualifies.

Kansas Homeowner Assistance Fund (KHAF)

KHAF is closed. Kansas Housing Resources Corporation says the program ran out of funds for new applications on February 21, 2023, stopped accepting applications on December 15, 2023, and sent its last payment on May 3, 2024. The U.S. Treasury also reports that the federal Homeowner Assistance Fund ended on September 30, 2026. Kansas does not have another state mortgage payment program that we could confirm. The Kansas Department of Revenue does run property tax refund programs for some homeowners: the Homestead refund (up to $700, with income, home value and age, disability or dependent child rules), SAFESR for low income seniors, and a refund for seniors and disabled veterans. Claims for 2025 taxes were due April 15, 2026, late claims may be accepted for good cause, and the next filing window normally opens January 1.

Check the program’s current status

Common questions in Kansas