Foreclosure Counseling for Homeowners in Volusia & Flagler Counties

If you’re behind on your mortgage or worried about losing your home, you’re not alone—and there are steps you can take. Mid-Florida Housing Partnership provides HUD-certified foreclosure counseling to help homeowners across Daytona Beach, Palm Coast, Deltona, and surrounding areas understand their options and take action.



We don’t just explain the process. We stand with you through it.

Get Help Understanding What’s Possible—Before It’s Too Late

Falling behind on your mortgage doesn’t mean you have to give up your home. But time matters. Our foreclosure prevention counselors will meet with you one-on-one to:

  • Review your current mortgage status
  • Explain terms like forbearance, loan modification, and repayment plans
  • Help you prepare documents for your lender
  • Guide you through next steps based on your situation

These services are confidential, free of charge, and available to all residents of Volusia and Flagler Counties.

You Don’t Need to Go Through This Alone

Whether you’ve missed one payment or several, we’re here to help you feel informed, prepared, and supported. Many homeowners wait too long to reach out because they’re embarrassed or overwhelmed—but the sooner you act, the more options you may have.



Our housing counselors also offer support with:

  • Credit counseling and budgeting
  • Rebuilding your finances after hardship
  • Understanding the long-term impact of foreclosure alternatives


Why Homeowners Trust Mid-Florida Housing Partnership

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HUD-approved foreclosure counseling

As a HUD-certified agency, Mid-Florida Housing Partnership meets strict national standards for training, ethics, and client support. That means when you meet with our counselors, you're getting trusted guidance backed by federal standards—and tailored to your real-life goals.

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Serving Volusia & Flagler homeowners for 30+ years

Since 1989, we’ve helped individuals and families across Daytona Beach, Palm Coast, DeLand, and surrounding areas take control of their housing journey. Whether it’s buying a first home, improving credit, or finding stability after a setback, we’ve been a steady resource through changing times.

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Real, local experience—not national call centers

We live and work in the same communities we serve. We know what it’s like to juggle rent, food costs, rising insurance, and everything else that puts pressure on your budget. That local perspective helps us offer practical solutions—not generic advice.

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Clear, compassionate support when it matters most

You don’t need perfect credit or a perfect story to work with us. Whether you're starting over, rebuilding after hardship, or just trying to understand your finances, we’re here to listen, guide, and support—not to lecture or shame.

Financial Management Support for Distressed Homeowners

We also host Financial Management Fair classes throughout the year, designed specifically for homeowners in distress. These workshops cover budgeting strategies, debt prioritization, and the realities of mortgage default—all in a judgment-free space with practical tools.

Start with a Conversation—Not a Crisis

Don’t wait until you're facing a foreclosure sale date. Whether you're one month behind or deeper into the process, we're here to help you explore what’s next.


→ Schedule your counseling session
→ Download the Homeowner Intake Package
→ Visit our FAQs to learn more

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