Iowa

Iowa Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Both Mortgage and Trust Deed.

Foreclosure Type(s): Judicial and Non-judicial (voluntary).

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Non-judicial Foreclosure: A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.

Initial Public Notice: Petition.

Estimated Foreclosure Process Period: 160+ days.

First Notice to Sale Time Period: 30+ days.

Redemption Period?: Yes, 20 days. (Judicial foreclosures only)

Deficiency Balance?: No.

* * * This information represents MRP’s current understanding of the Iowa foreclosure process. For the most detailed and up to date information, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, you need a foreclosure defense attorney or foreclosure litigation attorney to effectively represent your interests. If you have received one of these notices, contact us today regarding appropriate legal options!

Foreclosure Defense Attorneys

foreclosure defense attorneysForeclosure defense attorneys can answer complaints, file counter-claims and motions, and represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification, reinstatement, forbearance, principal reduction, and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In Iowa! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

foreclosure litigation attorneysIn recent years, legislators have passed new laws which give consumer protection rights to homeowners, and provide statutory damages for violations. Accordingly, many homeowners are now hiring foreclosure litigation attorneys to sue their lenders, and use other aggressive legal tactics to stop the foreclosure process, resolve their mortgages, and obtain corrective and monetary relief.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

IMPORTANT, PLEASE READ: If you no longer occupy or legally control a property, but seek monetary and corrective damages for wrongful foreclosure and related legal issues, please visit the Wrongful Foreclosure Damages page to learn about available legal services.

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Iowa

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in Iowa

Agency Name Phone
Website
Address Languages
CCCS of Northeastern Iowa Phone: 515-296-1968
Web: www.cccsia.org
1608 S. Duff Ave
Ames, Iowa 50010
– English
United Neighbors Phone: 563-322-7363
Web: www.unitedneighbors.com
808 Harrison Street
Davenport, Iowa 52803
– English
CCCS of Northeastern Iowa Phone: 515-279-4118
Web: www.cccsia.org
100 East Euclid Ave Suite 157
Des Moines, Iowa 50313
– English
CCCS of Northeastern Iowa Phone: 563-582-3885
Web: www.cccsia.org
810 Locust St
Dubuque, Iowa 52001
– English
CCCS of Northeastern Iowa Phone: 641-421-7619
Web: www.cccsia.org
404 S. Monroe Ave
Mason City, Iowa 50401
– English
Center for Siouxland Phone: 712-252-1861
Web: www.centerforsiouxland.org
715 Douglas St
Sioux City, Iowa 51101
– English
CCCS of Northeastern Iowa Phone: 319-234-0661
Web: www.cccsia.org
1003 W. 4th St
Waterloo, Iowa 50702
– English
Family Management Credit Counselors, Inc. Phone: 319-234-6695
Web: www.familymanagementcc.com/
1409 W. 4th Street
Waterloo, Iowa 50702
– English
Operation Threshold Phone: 319-291-2065
Web: www.operationthreshold.org
1535 Lafayette
Waterloo, Iowa 50704
– English
Iowa Mediation Services Phone: 515-331-8081
Web: www.iowamediationservice.com
1025 Ashworth Road, Suite 504
West Des Moines, Iowa 50265
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Iowa

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
CCCS OF NORTHEASTERN IOWA P: 515-296-1968
T: 866-723-7468
F: 515-268-4262
E: amesmanager@cccsia.org
W: cccsia.org
1608 S Duff Ave Suite 300
AMES, Iowa 50010-8062
– English
GREENPATH, INC P: 888-860-4167
T:
F:
E: housingdepartment@greenpath.com
W: www.greenpath.org
4343 Utica Ridge Road
c/o RIA FCU
BETTENDORF, Iowa 52722-1610
– English
HORIZONS, A FAMILY SERVICE ALLIANCE (HORIZONS CCCS) P: 319-398-3576
T: 800-826-3574
F: 319-398-3577
E: sshook@horizonscccs.org
W: horizonscccs.org
819 5th St SE
Cedar Rapids, Iowa 52401-2128
– English
HORIZONS, A FAMILY SERVICE ALLIANCE (HORIZONS CCCS) – IOWA CITY P: 800-826-3574
T: 800-826-3574
F:
E: solutions@horizonsfamily.org
W: www.horizonscccs.org
2570 Holiday Rd.
Suite 150
CORALVILLE, Iowa 52241-3038
– English
FAMILY HOUSING ADVISORY SERVICES, INC. P: 402-934-7926
T: 888-573-0495
F: 402-934-7928
E: Teresa@fhasinc.org
W: www.fhasinc.org
10 S. 4th Street
COUNCIL BLUFFS, Iowa 51503-9003
– English
– Spanish
UNITED NEIGHBORS, INC. P: 563-322-7363
T:
F: 563-323-9907
E: uneighbors@aol.com
W: www.unitedneighbors.com
808 Harrison Street
DAVENPORT, Iowa 52803-5000
– English
MID IOWA CREDIT COUNSELING P: 515-279-4118
T: 888-272-4118
F:
E: dmmanager@cccsia.org
W: cccsia.org
100 E Euclid
Park Fair Mall, No 157
DES MOINES, Iowa 50313-4511
– English
CCCS OF NORTHEASTERN IOWA P: 563-582-3885
T: 866-720-9049
F: 563-582-4504
E: dubuquemanager@cccsia.org
W: cccsia.org
810 Locust St
Fischer Arcade Bldg
DUBUQUE, Iowa 52001-6705
– English
CCCS OF NORTHEASTERN IOWA P: 866-720-9050
T: 866-720-9050
F: 641-585-5777
E: info@cccsia.org
W: cccsia.org
102 North 4th Street
FOREST CITY, Iowa 50436-1654
– English
CCCS OF NORTHEASTERN IOWA P: 641-421-7619
T: 866-720-9050
F: 641-421-7738
E: masoncitymanager@cccsia.org
W: cccsia.org
404 S. Monroe Avenue
MASON CITY, Iowa 50401-3829
– English
MUSCATINE MUNICIPAL HOUSING AGENCY P: 563-264-1554
T:
F:
E: klove@muscatineiowa.gov
W: www.muscatineiowa.gov
215 Sycamore St
Muscatine, Iowa 52761-3839
– English
– Spanish
CENTER FOR SIOUXLAND P: 712-252-1861
T: 712-252-1861
F: 712-255-1352
E: jonette.spurlock@centerforsiouxland.org
W: www.centerforsiouxland.org/
715 Douglas St
Sioux City, Iowa 51101-1021
– English
– Spanish
– Vietnamese
CCCS OF NORTHEASTERN IOWA P: 319-234-0661
T: 641-421-7619
F: 319-234-7533
E: masoncitymanager@cccsia.org
W: www.cccsia.org
1003 W 4th St
WATERLOO, IA 50702
Waterloo, Iowa 50702-2803
– English
FAMILY MANAGEMENT CREDIT COUNSELORS, INC. P: 319-234-5983
T:
F: 319-236-6626
E: N/A
W: www.familymanagementcc.com
359 Rock Island Ave
Waterloo, Iowa 50701-5301
– English

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Iowa, please visit the HUD website.