Our Programs — House Hold Maryland
Five Programs · One Mission

Our Programs & Services.

Five integrated programs designed to meet Maryland homeowners at every stage — from the first sign of financial distress through full stabilization. All services free of charge.

I. Foreclosure Counseling II. Homeowner Advocacy III. Financial Workshops IV. Community Outreach V. Resource Navigation
Program I

Foreclosure-Prevention Counseling

One-on-one professional counseling for homeowners facing mortgage delinquency, income loss, escrow shortages, or adjustable-rate increases.

Comprehensive budget and financial assessments tailored to each household
Loss-mitigation applications, forbearance agreements, and loan modification support
Direct communication with mortgage servicers on behalf of homeowners
Document review, legal notice interpretation, and legal aid referrals
Post-resolution follow-up to ensure lasting stability
Request Counseling
AI-Enhanced Counseling Process
1
AI Intake Triage
Our AI agent assesses urgency and pre-populates your case file before your first session.
2
Document Analysis
AI extracts key figures from your mortgage documents and flags deadlines automatically.
3
Counselor Session
Your counselor enters every session fully briefed — more time helping, less time gathering.
4
Resolution & Follow-Up
Automated follow-up at 30 days ensures stability after resolution.
"You should never have to navigate your mortgage servicer alone."
Our advocates speak directly with servicers, escalate stalled cases, and fight for every available option on your behalf.
Program II

Homeowner Advocacy & Case Management

From intake to resolution, we are in your corner — escalating, advocating, and documenting every step.

Servicer escalation for homeowners experiencing communication barriers or delays
Rights education under Maryland foreclosure law
Identification and prevention of predatory practices and foreclosure rescue scams
Case management from intake through resolution with warm handoffs to legal partners
Request Advocacy Services
Program III

Financial Education Workshops

Free, accessible workshops delivered where you live — in churches, community centers, and online.

Budgeting Basics
Build a sustainable household budget
Credit Repair
Understand and rebuild your credit
Mortgage Literacy
Know your loan and servicer rights
Scam Prevention
Identify and avoid foreclosure fraud
View Upcoming Workshops
12–18 Workshops Per Year
Monthly workshops across priority counties, delivered in partnership with churches, community centers, and local agencies. All workshops are free and available in multiple languages.
Want to Host a Workshop?
Churches, community centers, and employers can partner with us to host free workshops.
Partner With Us
Program IV

Community Outreach & Engagement

We don't wait for homeowners to find us. We go to them — in their neighborhoods, their churches, and their communities.

Proactive canvassing in high-risk neighborhoods identified by foreclosure data
Resource fairs and community events co-hosted with trusted local partners
Faith-based outreach through churches and religious community networks
AI-powered digital outreach targeting at-risk homeowners by zip code
Multilingual homeowner toolkits distributed in print and digital formats
Refer a Neighbor
AI-Powered Risk Identification
We identify homeowners at risk before they reach crisis — not after.
Our AI system analyzes public property tax delinquency data, foreclosure filing records, and neighborhood economic indicators to generate a prioritized outreach list for our canvassing team — transforming reactive service delivery into proactive community protection.
Free · Confidential · Available Now

Ready to take the first step?

All five programs are available at no cost to Maryland homeowners.

Get Free Help Today Attend a Free Workshop
HUD-Aligned StandardsNo Cost to HomeownersMultilingual ServicesConfidential ServicesStatewide Coverage