Homeowner Programs


Homes on the Hill is a HUD-approved housing counseling agency serving all residents in Ohio. If you are behind on your mortgage payments, wondering about refinancing, worried about your credit score, or facing foreclosure, our counselors can help with those issues and more.

Certified Housing Counselors

• Create a spending and savings plan

• Work to prevent foreclosure

• Provide mortgage refinancing guidance

• Advise on debt management

• Strive to empower homeowner decision making

• Help explain housing & loan paperwork

Periodic Workshops

• How to manage your finances

• Ways to make your home energy efficient

• How to avoid predatory lending

Foreclosure Prevention Orientation

Are you at risk of foreclosure or just behind on your mortage payments? Attend our foreclosure prevention orientation to get one-on-one assistance and guidance. Attendees will have the opportunity to discuss their situation and options available to them. Our counselors are fully trained to provide you with assistance in avoiding foreclosure, including working with your lender, preparing you for mediation, and discussing other available options. We offer an orientation that provides general information about the types of resources and assistance that are available to prevent foreclosure from happening.

To meet with one of our counselors, you may download a copy of our Foreclosure Prevention Counseling application packet from our document center and submit it to our office along with your most recent mortgage statement and hardship letter to your lender, if you’ve written one, or feel free to connect with our staff to work out the best way to get you started.

Budget & Credit Counseling

Want to manage your finances better and improve your credit score? Homes on the Hill believes everyone can benefit from smart money habits. Meet one-on-one with a certified counselor as your financial coach, providing free financial guidance and planning help, so you can take charge of your credit, set measurable financial goals, and work your way towards a better financial future.

How we help

Homes on the Hill is a not-for-profit organization that develops affordable housing in southwestern Franklin County, Ohio.

How we can help