Our homeownership counselors are experts in foreclosure prevention and are trained to design a plan of action just for you.


Chattanooga Neighborhood Enterprise’s Homeownership Center offers a full range of counseling services to assist families to avoid foreclosure and sustain their homeownership. CNE’s staff has over 70 years of mortgage lending experience and as members of NeighborWorks® America, we have highly skilled counselors ready to work with families to help find options to resolve their situation. Our numerous foreclosure prevention programs can help guide you to achieve the dream of sustainable homeownership! 

To start the process, call us at 423.756.6201 or fill out the form below. You will be transferred to a foreclosure prevention counselor who will explain the process to you. You will then be asked to fill out an application and be scheduled for an in person one-on-one appointment. From there, CNE will act as a third party counselor to help you work with your service to find a reasonable solution to your foreclosure crisis.

Click here to see the required documents for the process and download the application here.

Types of Help


This temporarily reduces or suspends your payments to help you if you’ve lost income. If you qualify, you will have a payment plan to make up the payments you missed.

Mortgage Modification

This is when you are two to three payments behind on your loan, and a permanent change is made to the existing loan you have. The changes can include reducing your interest rate or extending the number of years you have to pay off your loan.


If you are not behind on your mortgage, you may qualify for a refinance. It is essentially qualifying for another loan. A refinance will reduce the interest rate and extend the number of years you have to pay off the loan.

Other assistance

You may be eligible and qualify for other assistance programs. CNE can help you every step of the way to figure out which option is best for you.

Beware of any agency who charges a fee for foreclosure prevention services.

If you feel you have been a victim of a modification scam, please take action immediately. Go to www.preventloanscams.org.

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