MRP’s Maine Foreclosure Help page offers no access to attorney representation
Maine Foreclosure Help – HUD Approved Agencies
HUD Approved Foreclosure Avoidance Counseling Agencies Located in Maine
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.
In many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced foreclosure 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. In some instances, negotiating yourself or through a non-attorney third party can even be detrimental to you. Before you do anything else, have a free consultation with a foreclosure defense attorney.
Maine Foreclosure Help – HUD Approved Foreclosure Avoidance Counseling Agencies in Maine
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 Website Agency ID | Address | Languages |
| PENQUIS COMMUNITY ACTION PROGRAM | P: 207-974-2403 T: 888-424-0151 F: 207-973-3699 E: hmassow@penquis.org W: www.penquis.org A: 81649 | 262 Harlow Street BANGOR, Maine 04401-4952 | – English |
| COASTAL ENTERPRISES, INCORPORATED | P: 207-504-5900 T: 877-340-2649 F: E: jason.thomas@ceimaine.org W: www.ceimaine.org A: 80985 | 30 Federal Street Suite 100 BRUNSWICK, Maine 04011-1510 | – English – Spanish |
| AVESTA HOUSING DEVELOPMENT CORPORATION | P: 207-553-7780-3347 T: 800-339-6516 F: 207-553-7778 E: ndigeronimo@avestahousing.org W: www.avestahousing.org A: 81144 | 307 Cumberland Avenue PORTLAND, Maine 04101-4920 | – English |
| AROOSTOOK COUNTY ACTION PROGRAM, INC. | P: 207-764-3721 T: F: E: W: www.acap-me.org A: 83641 | 771 Main St Presque Isle, Maine 04769-2201 | – English |
| YORK COUNTY COMMUNITY ACTION AGENCY | P: 207-459-2903 T: F: 207-490-5026 E: mesha.quinn@yccac.org W: www.yccac.org A: 81150 | 6 Spruce Street SANFORD, Maine 04073-2917 | – English |
| COMMUNITY CONCEPTS, INC. ALSO DBA HOMEQUESTMAINE | P: 207-333-6419 T: F: 207-795-4069 E: homequest@community-concepts.org W: https://www.ccimaine.org/ A: 81580 | 17 Market Sq South Paris, Maine 04281-1533 | – English |
| KENNEBEC VALLEY COMMUNITY ACTION PROGRAM | P: 800-542-8227 T: F: E: W: www.kvcap.org A: 81685 | 97 Water St Waterville, Maine 04901-6339 | – English |
Maine Foreclosure Help – National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America, located in Maine
| Agency Name | Phone Website | Address | Languages |
| MMI – Auburn | Phone: 800-873-2227 Web: | 250 Center St., Ste. 205 Auburn, Maine 4210 | – English |
| MMI – Bangor | Phone: 800-308-2227 Web: www.moneymanagement.org | 175 Exchange St., Ste. 200 Bangor, Maine 4401 | – English |
| Penquis, Inc | Phone: 207-973-3500 Web: www.penquis.org | 262 Harlow Street Bangor, Maine 04402 | – English |
| Community Concepts, Inc. | Phone: 207-743-7716 Web: www.community-concepts.org | 240 Bates Street Lewiston, Maine 04240 | – English |
| Avesta Housing Development Corporation | Phone: 207-553-7777 Web: www.avestahousing.org | 307 Cumberland Avenue Portland, Maine 04101 | – English |
| MMI – South Portland | Phone: 800-873-2227 Web: | 111 Wescott Road South Portland, Maine 4106 | – English |
| MMI – South Portland | Phone: 800-308-2227 Web: www.moneymanagement.org | 111 Wescott Road South Portland, Maine 4106 | – English |
| Kennebec Valley Community Action Program | Phone: 800-542-8227 Web: www.kvcap.org | 97 Water Street Waterville, Maine 04901 | – English |
For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Maine, please visit the HUD website.
Maine Foreclosure Help – Maine Foreclosure Process
Security Instrument(s): Mortgage.
Foreclosure Type(s): Judicial.
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.
Initial Public Notice: Complaint.
Estimated Foreclosure Process Period: 240+ days.
First Notice to Sale Time Period: 30+ days.
Redemption Period?: Yes, 90 days.
Deficiency Balance?: Yes.
* * *This information represents MRP’s current understanding of the Maine foreclosure process. For the most detailed and up to date information, you should contact your local county government.* * *