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Free foreclosure help in Minnesota

For free foreclosure help in Minnesota, start with a foreclosure prevention advisor through the Minnesota Homeownership Center and, for legal questions, a legal aid office listed on LawHelpMN. Which you call first depends on how far along your foreclosure is. HomeHelpMN is closed, so plan around your servicer's options.

Free HUD counselor: (800) 569-4287

Reviewed against Minnesota law and official sources on October 12, 2026. General information, not legal advice.

Ask for help in Minnesota

Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.

For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Who to call first, by situation

  • You are current but expect to miss a payment

    Before the first missed payment

    Call your servicer and ask what it offers before you fall behind. The Minnesota Homeownership Center connects you with a free Foreclosure Prevention Advisor who can review your budget and options.

  • You are behind but have no notice yet

    This week

    Apply to your servicer for loss mitigation and get an advisor to help with the paperwork. The Minnesota Homeownership Center can be reached at 651-659-9336 or 866-462-6466.

    Minn. Stat. § 582.043

  • You got a preforeclosure notice, a notice of sale, or court papers

    Within days

    Call the counseling agency named in your notice. Use LawHelpMN, Mortgages, Foreclosures and Contract for Deed to find a legal aid office, and say if you were served with a summons, because it has a deadline. Minnesota Judicial Branch, Foreclosures links to the postponement form.

    Minn. Stat. §§ 580.021, 580.041

  • A sheriff's sale date is set

    The day you learn of it

    Call legal aid or a licensed attorney, then your servicer and the foreclosing attorney. If you can pay a lawyer, the Minnesota Lawyer Referral Service can connect you with one. Call the sheriff's office in your county to confirm the date.

    Minn. Stat. § 582.043, subd. 6(c)

  • Your servicer is not following the rules

    As soon as it happens

    File with Minnesota Department of Commerce, File a Complaint, which oversees mortgage servicers, and with Minnesota Attorney General, File a Complaint. A complaint does not stop the sale, so also ask legal aid about a lawsuit under the dual tracking law.

    Minn. Stat. § 582.043, subd. 7

  • Someone offered to save your home for a fee

    Before you sign or pay anything

    Minnesota foreclosure consultants cannot take any pay until they have done everything they promised, and you can cancel until midnight of the third business day. Report problems to Minnesota Attorney General, File a Complaint, and have legal aid review any deed before you sign.

    Minn. Stat. §§ 325N.03, 325N.04

Official and nonprofit help in Minnesota

None of these charge homeowners for foreclosure help.

Need a private foreclosure lawyer?

License-checked lawyers who represent homeowners, by area:

HomeHelpMN (Minnesota Homeowner Assistance Fund)

Minnesota Housing announced that the deadline to apply for HomeHelpMN was July 7, 2023. We found no announcement that it reopened. The Attorney General points homeowners to the Minnesota Homeownership Center's network of foreclosure counselors.

Check the program’s current status

Common questions in Minnesota

Is HomeHelpMN still taking applications?

No. Minnesota Housing set July 7, 2023 as the deadline to apply for HomeHelpMN, and we found no reopening. The U.S. Treasury also says all Homeowner Assistance Fund money ended September 30, 2026. Ask your servicer and a foreclosure advisor about other options.

How do I find a free foreclosure advisor in Minnesota?

The Minnesota Homeownership Center's Find an Advisor tool lets you filter for Foreclosure Prevention, and you can call 651-659-9336 or 866-462-6466. Your preforeclosure notice also names an agency the lender already contacted. These advisors do not charge you.

Can I get a free lawyer for a Minnesota foreclosure?

Possibly, if you meet income rules. LawHelpMN, run by Minnesota legal aid programs, has a directory of legal aid offices. If you do not qualify, the Minnesota Lawyer Referral Service can connect you with a private attorney, who may charge a fee.

Step by step

More on foreclosure in Minnesota

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

Back to the Minnesota overview

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Sources for this page

  1. Minn. Stat. § 580.022, Forms (Preforeclosure Notice)
  2. Minn. Stat. § 580.032, Request for notice; notice of pendency
  3. Minn. Stat. § 580.04, Requisites of notice
  4. Minn. Stat. § 580.12, Certificate of sale
  5. Minn. Stat. § 580.225, Satisfaction of mortgage
  6. Minn. Stat. § 580.24, Redemption by creditor
  7. Minn. Stat. § 504B.285, Eviction actions; grounds
  8. Minn. Stat. § 504B.321, Complaint and summons
  9. Minn. Stat. § 504B.345, Judgment; execution
  10. Minn. Stat. § 504B.365, Execution of the writ of recovery
  11. Laws of Minnesota 2025, chapter 35, article 10 (Mortgage Foreclosure)
  12. Minnesota Homeownership Center
  13. Minn. Stat. § 580.021, Foreclosure prevention counseling
  14. Minn. Stat. § 580.03, Notice of sale; service on occupant
  15. Minn. Stat. § 580.041, Foreclosure advice notice to owner
  16. Minn. Stat. § 580.07, Postponement
  17. Minn. Stat. § 580.10, Surplus
  18. Minn. Stat. § 580.23, Redemption by mortgagor
  19. Minn. Stat. § 580.30, Mortgages, when reinstated
  20. Minn. Stat. § 582.032, Five-week redemption period for abandoned property
  21. Minn. Stat. § 582.043, Loss mitigation; mortgage foreclosure dual tracking
  22. Minn. Stat. § 582.30, Deficiency judgments
  23. Minn. Stat. § 325N.03, Contract
  24. Minn. Stat. § 325N.04, Violations
  25. Minnesota Attorney General, Facing Mortgage Foreclosure
  26. Minnesota Judicial Branch, Foreclosures
  27. Minnesota Housing, Deadline to apply for HomeHelpMN is July 7