Free foreclosure help in Mississippi

Who to call first, by situation

• You are not behind yet but expect trouble

  Now, before you miss a payment

  Call your servicer and ask about hardship options. A HUD approved housing counselor can review your budget at no cost. The Mississippi Home Saver Program is closed, so do not count on state mortgage money.

• You are behind but have no sale notice

  Within days

  Send your servicer a complete loss mitigation application and keep copies. Call the Legal Services intake line for Mississippi Center for Legal Services at 1-800-498-1804 to be screened for the Mississippi Volunteer Lawyers Project's foreclosure prevention help.

• A sale notice has been published

  Immediately

  In north Mississippi call North Mississippi Rural Legal Services at 1-800-898-8731. In central and southern Mississippi call Mississippi Center for Legal Services at 1-800-498-1804. If you do not qualify, use The Mississippi Bar, Find a Lawyer Directory to find a private lawyer.

• A sale date is close

  The same day you learn of it

  Call the substitute trustee named in the notice and ask for the reinstatement amount in writing under Miss. Code § 89-1-59. At the same time, call legal aid so a lawyer can check the notice and your deed of trust.

  Miss. Code § 89-1-59

• Your servicer is not following the rules

  As soon as it happens

  File online with the Mississippi Department of Banking and Consumer Finance, Complaint Form. You can also file with the Mississippi Attorney General, Consumer Protection Division.

• A rescue company contacted you

  Before you sign or pay anything

  Do not pay up front fees or sign over your deed. Report the company to the Mississippi Attorney General, Consumer Protection Division at 601-359-3680 or through its online complaint form.

Official and nonprofit help in Mississippi

None of these charge homeowners for foreclosure help.

• Mississippi Home Corporation

  The state housing finance agency, which ran the Mississippi Home Saver Program before it closed.

• Mississippi Attorney General, Consumer Protection Division

  Takes consumer complaints, including about mortgage companies and foreclosure rescue scams, through an online complaint form.

  601-359-3680

• North Mississippi Rural Legal Services

  Free civil legal help for eligible low income people in north Mississippi, with a foreclosure prevention hotline.

  1-800-898-8731

• Mississippi Center for Legal Services

  Free civil legal help for eligible low income people in central and southern Mississippi.

  1-800-498-1804

• MSLegalServices.org

  Statewide legal aid website run by Mississippi's two legal services programs, with intake numbers and a legal help directory.

• Mississippi Volunteer Lawyers Project

  Volunteer lawyers who run free foreclosure prevention clinics and help with loan modification papers for people of limited means.

  601-960-9577

• Mississippi Department of Banking and Consumer Finance, Complaint Form

  Takes online complaints about state regulated banks and mortgage companies.

• The Mississippi Bar, Find a Lawyer Directory

  A directory of Mississippi lawyers you can search by practice area and location; the Bar does not run a referral service.

Mississippi Home Saver Program (HomeSaver Plus, Homeowner Assistance Fund)

The Mississippi Home Saver Program, run by Mississippi Home Corporation with federal Homeowner Assistance Fund money, is closed. Mississippi Home Corporation says it stopped taking new applications on November 15, 2023. The U.S. Treasury also says the Homeowner Assistance Fund ended on September 30, 2026 and states can no longer use it to help homeowners. We did not find another state run mortgage assistance program that is open today.

Check the program’s current status

Common questions in Mississippi