We are a local non-profit that works with homeowners in financial transition, struggling to pay their mortgage payments and are facing foreclosures. 

For a Homeowner

There is more to owning a home than the mortgage. A home is the place where families come together, memories are made, and it provides a stable place you can always come back to. This is what drives our mission, which is to help you keep yours.

We start at the beginning.

We do an in depth review of your current situation, what changes can be made, and how to best move forward.

We help you learn about your options and rights. How to avoid a foreclosure – and what foreclosure alternatives may be available to you. 

We also work with partners who work to purchase overdue loans and bank owned properties so that homeowners can stay in their houses.

Our Goal

Help stabilize our communities by addressing and/or preventing foreclosures. We provide foreclosure intervention, default counseling, and help homeowners communicate with your current mortgage holders in a time of distress.

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Minnesota Foreclosure Law and Process

In Minnesota, lenders may foreclose on mortgages or deeds of trusts in default using either a judicial or non-judicial foreclosure process. Click the link below for an outline of this process.


“ Thank you Inna for fighting both my mortgage company and second mortgage line of credit, both which had tried foreclosing on me. she was able to negotiate an affordable payment for me, keep me out of foreclosure on both accounts and keep my daughter and I in our home. She is extremely knowledgeable on the process, will fight for you without backing down ever, and treat you with kindness and compassion. she is absolutely someone you want on your side! ”

Pamela Schultz Campbell

Inna Tobak

Executive Director

Experiencing a financial hardship can be one of the most challenging times of your life. There are many unique circumstances that can lead to this point, from loss of job, death in the family, illness, divorce – just to name a few.

I’ve spent the past 11 years working in this delicate balance between all parties involved, with the ultimate goal to keep you in your home. I strive to make the process as clear and easy as possible. I provide practical options based on your unique situation, while keeping your dignity. Everybody deserves a second chance. And I am here fighting to make sure you get yours.