Assists people who are unable to make their mortgage payments and at risk of losing their homes through foreclosure, or who are already in the foreclosure process. Those seeking assistance from M.A.P or Home Keepers Program must receive Housing Counseling before applying for these programs. Services may include; Advocacy, Information about the foreclosure process, Legal timelines, How to contact and negotiate with a lender, Assessment of the homeowner's financial situation and development of a plan to address homeownership and financial issues.