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Homeowner Assistance Programs

When you need a hand, you can find one at Independent Bank. If you're experiencing financial challenges, we're here for you.

Let's find a solution.

If you’re experiencing difficulty paying for your mortgage, we’re here to offer solutions, some of which may include:

  • Refinancing
  • Loan modification
  • Short-term repayment plans
  • Forbearance plans
  • Short sales
  • Deed in lieu of foreclosure

Loan counselors can be reached at 844.279.2748, Monday-Friday from 8 am-7 pm (ET) and Saturday by appointment only. You can also contact us by email at homeownersupport@ibcp.com.

MSHDA Homeowner Rescue Programs

On February 19, 2010, President Obama announced the availability of funding under the Housing Finance Agency (HFA) Hardest-Hit Fund. Michigan was one of five states eligible to create programs for funding under this program. MSHDA encourages homeowners interested in participating in one of these programs to use the time between now and the anticipated enrollment period to gather documentation pertaining to income, assets monthly debt, and living expenses. If you need additional information, you can call MSHDA toll free at 866.946.7432 or contact a homeownership counselor in their area. Counselors can be located on MSHDA’s website.

Making Home Affordable Plan

Learn about the Making Home Affordable plan. To date, it’s helped millions of homeowners refinance or modify their mortgages.