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How to Avoid
Foreclosure
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Free foreclosure help in Montana

Free help exists in Montana at every stage, and none of it requires an upfront fee. Start with a housing counselor, and bring in legal aid as soon as you receive a Notice of Trustee's Sale.

Free HUD counselor: (800) 569-4287

Reviewed against Montana law and official sources on October 11, 2026. General information, not legal advice.

Ask for help in Montana

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 not behind yet but expect trouble

    Now, before a payment is missed

    Call your servicer and ask about options. NeighborWorks Montana can connect you with a free housing counselor who will review your budget and your loan.

  • You are behind but have no notice

    Within the first 120 days

    Work with a NeighborWorks Montana counselor to send a complete loss mitigation application. The Montana Division of Banking and Financial Institutions posts a foreclosure prevention guide.

  • You received a Notice of Trustee's Sale

    The same week

    Apply to Montana Legal Services Association for free legal help, and read the foreclosure materials on MontanaLawHelp. Ask the trustee in writing for the amount needed to cure.

  • Your sale date is close

    Immediately

    Call Montana Legal Services Association, or use the State Bar of Montana Lawyer Referral Service to reach a private lawyer about a court order or bankruptcy. Only a court order, a cure, a bankruptcy stay or the lender's agreement stops the sale.

  • Your servicer is not following the rules

    As soon as it happens

    File a complaint with the Montana Division of Banking and Financial Institutions, which licenses mortgage servicers. Keep copies of every letter and a log of every call.

  • A rescue company or investor contacted you

    Before you sign or pay anything

    Contact the Montana Division of Banking and Financial Institutions and the Montana Office of Consumer Protection (Department of Justice). Free counseling is available, so do not pay upfront fees or sign over your deed.

Official and nonprofit help in Montana

None of these charge homeowners for foreclosure help.

Montana Homeowner Assistance Fund

The program page says utilities assistance stopped taking applications on March 31, 2026, and that mortgage reinstatement and lien prevention applications were accepted only through July 31, 2026. Those dates have passed, so treat the program as closed to new applications. The Division of Banking points homeowners to free foreclosure prevention counseling through NeighborWorks Montana.

Check the program’s current status

Common questions in Montana

Is there free foreclosure legal help in Montana?

Yes. Montana Legal Services Association gives free civil legal help to people with low incomes and can be reached at 1-800-666-6899. MontanaLawHelp has free information and forms.

Who regulates mortgage servicers in Montana?

The Montana Division of Banking and Financial Institutions licenses mortgage servicers and takes complaints. Its phone number is (406) 841-2920.

Is Montana's Homeowner Assistance Fund still taking applications?

No. The program page says mortgage reinstatement applications were accepted only through July 31, 2026, and utilities applications ended March 31, 2026. Check Montana Housing for any newer program.

Step by step

More on foreclosure in Montana

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 Montana overview

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Sources for this page

  1. Montana Code Annotated 2025, Title 71, Chapter 1, Part 3: Small Tract Financing Act (table of contents)
  2. Mont. Code Ann. § 71-1-312, Discontinuance of foreclosure when default paid
  3. Mont. Code Ann. § 71-1-313, Conditions for foreclosure by advertisement and sale
  4. Mont. Code Ann. § 71-1-315, Notice, sale, payment
  5. Mont. Code Ann. § 71-1-316, Disposition of proceeds of sale, surplus funds
  6. Mont. Code Ann. § 71-1-317, Deficiency judgment not allowed
  7. Mont. Code Ann. § 71-1-318, Trustee's deed
  8. Mont. Code Ann. § 71-1-319, Possession
  9. Mont. Code Ann. § 71-1-222, Proceedings in foreclosure suits
  10. Mont. Code Ann. § 71-1-232, Deficiency judgment not allowed on purchase price mortgage
  11. Mont. Code Ann. § 25-13-802, Time for redemption
  12. Montana Department of Commerce, Homeowner Assistance Fund
  13. Montana Division of Banking and Financial Institutions, Consumer Information (Foreclosure Prevention)