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Quick Resource
Hope NOW 1-888-995-HOPE or www.995hope.org
Quick Advice
Even if your finances are tight, saving a small amount each week can create a buffer to help you hold onto your home in the event of a job loss or unexpected medical expense. One rule of thumb: Keep three to six months’ worth of living expenses in an account that’s readily accessible. Taking this extra step can allow you to safely make it through several months, giving you time to make the necessary changes to get back on track.
Prevention Kit: Southwest/Southcentral Wisconsin resources for homeowners
Serious financial troubles that can lead to foreclosure may result from the loss of a job, a medical emergency or a personal tragedy. Regardless of the circumstance, homeowners can benefit greatly from the help of a professional trained to sort through the facts and emotions to establish clear financial priorities.
Financial counseling and assistance in Southwest/Southcentral Wisconsin

The Wisconsin Housing and Economic Development Authority has compiled the list below of financial counselors trained through the NeighborWorks® America program. The counselors may provide both general guidance and referrals, or more specific one-on-one assistance.

Catholic Charities of the Diocese of La Crosse -
La Crosse
Mary Jacobson & Luanne Neumann, Counselors
3710 East Ave. S.
La Crosse, WI 54601
(608) 782-0710 ext. 222 (phone)
(800) 212-HELP (toll-free)
(608) 782-0702 (fax)

Catholic Charities of the Diocese of La Crosse - Prairie du Chien
Luanne Neumann, Counselor
115 Perry St.
Prairie du Chien, WI 53821
(608) 326-1616 (phone)
(800) 212-8612 (toll-free)
(608) 326-7152 (fax)

Common Wealth Development, Inc.
Paul Jasenski, Project Manager
1501 Williamson St.
Madison, WI 53703
(608) 256-3527, ext 14 (phone)
paul@cwd.org

Couleecap, Inc.
(Serving Adams, Buffalo, Crawford, Grant, Jackson, Juneau, La Crosse, Monroe, Portage, Richland, Trempealeau, Vernon and Wood Counties)
Kahya Fox, Anastasia Mercer, or Michele Anzalone
201 Melby St.
Westby, WI 54667
(608) 634-3104 (phone)
kahya.fox@couleecap.org;

NHS of Beloit, Inc.
Dina Gonzalez, Education Manager
156 St. Lawrence Ave.
Beloit, WI 53511
(608) 362-9051 (phone)
dgonzalez@nhsofbeloit.org

Neighborhood Housing Services of Richland County
Linda Smith, Home Ownership Coordinator
125 E. Seminary St.
Richland Center, WI 53581
(608) 647-4949 ext. 306 (phone)
(608) 647-8792 (fax)
linda@nhsrcwi.org
WHEDA approved lenders in Southwest/Southcentral Wisconsin

If you are feeling overwhelmed financially, you may be able to relieve some of the immediate pressure by restructuring your debt. Whether you are facing foreclosure or concerned about making ends meet, it may be possible to refinance your home and gain more favorable terms.

The Wisconsin Housing and Economic Development Authority has compiled a regional list of trusted lenders who offer safe and reasonable loans and refinance packages.

Anchor Bank
Bill Ganshert, VP Regional Lending
Capitol Square Branch
25 W. Main St.
Madison, WI 53701
(608) 252-1854 (phone)

Associated Bank
Jeff Larvick, Sr. VP, Residential Lending Manager La Crosse LPO
605 State St.
La Crosse, WI 54601
(608) 796-4223 (phone)
jeff.larvick@associatedbank.com

Steve Hansen, VP, Residential Lending Manager Madison West LPO
8040 Excelsior Dr.
Madison, WI 53717
(608) 259-3662 (phone)
steven.hansen@associatedbank.com

M&I Bank
Dan Holum - East Towne Branch
4726 East Towne Blvd.
Suite 260
Madison, WI 53704
(608) 242-2576 (phone)

Dale Judd - Hilldale Branch
401 N. Segoe Rd.
Madison, WI 53705
(608) 231-5685 (phone)

David Sheedy - Janesville Branch
100 N. Main St.
Janesville, WI 53545
(608) 755-4202 (phone)

US Bank
Kathy Meinke
Statewide/Madison
8000 Excelsior Dr., Ste. 203
Madison, WI 53717
(608) 240-3259 (phone)
kathy.meinke@usbank.com

UW Credit Union
3500 University Ave.
Madison, WI 53705
(608) 232-5000, ext. 2810 (phone)
(800) 533-6773, ext. 2810 (toll-free)
Legal assistance in Southwest/Southcentral Wisconsin

Legal Action of Wisconsin
John Ebbott, Executive Director
230 West Wells St., Room 800
Milwaukee, WI 53203
(414) 278-7722 (phone)

The Institute for Foreclosure Legal Assistance
www.foreclosurelegalassistance.org/resources/
WHEDA certified real estate agents in Southwest/Southcentral Wisconsin
Homeowners experiencing financial troubles may come out ahead by listing the home for sale as soon as possible, instead of waiting and sinking deeper into debt. The Wisconsin Housing and Economic Development Authority has identified a list of trained, experienced real estate agents who can help homeowners get a fair price in a reasonable amount of time.

Coldwell Banker River Valley
Cathy Fox
118 S. 7th St.
La Crosse, WI 54601
(608) 784-9930 (phone)
cathy@cbrivervalley.com

First Weber
Richard Bernards
429 Gammon Pl.
Madison, WI 53719
(608) 577-2501 (phone)
bernardsr@firstweber.com

Keller Williams Realty
Ryan Werth
3 Point Pl., Ste. 100
Madison, WI 53719
(608) 438-2976 (phone)
ryanwerth@kw.com

ReMax Preferred
John or Vicky Schroeder
102 N. Holiday Dr.
Waunakee, WI 53597
(608) 850-5698 (phone)
homes@homesbyjv.com

For a full list of REALTORS® that serve your area, please click on your county below:
Credit counselors in Southwest/Southcentral Wisconsin

In addition to seeking help from lenders and other financial advisers, struggling homeowners may want to contact a credit counselor. Credit counselors can provide help with family budgeting techniques and managing credit card debt.

Credit Counseling Centers of Wisconsin is a nonprofit community service organization supported by United Way that provides a common-sense approach to financial education. The organization’s regional offices can be accessed by Internet, mail, telephone or in person. For more information, visit Credit Counseling Centers of Wisconsin.

La Crosse Area
Credit Counseling Center of La Crosse
311A Main Street
La Crosse, WI 54601
(608) 784-8380 (phone)
cccs@excel.net
 
Kathryn Crumpton, Manager of the Consumer Credit Counseling Service of Greater Milwaukee, discusses the services her organization and other counseling services offer to those facing financial difficulties including foreclosure in Wisconsin.
WHEDA Executive Director Antonio Riley discusses the benefit of contacting a counselor if you are facing foreclosure in Wisconsin.
Wisconsin Attorney David Sayas talks about the benefits of contacting an attorney to discuss your options when facing foreclosure.
Laurie Logan, a REALTOR® with RE/MAX Preferred, offers advice to Wisconsin residents on how to avoid home foreclosure.
 
The information contained herein is of a general nature and should not be considered as advice on a particular fact situation. Individuals should consult with their lender, legal counsel or financial counselor with specific questions or for current developments.